BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This credit report agency Updated the accounts XX/XX/22 And said the accounts were verified, However I never said they werent. My response to the company was as followed 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Delete Account Immediately XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX I never said they werent accurate however, they are invading my privacy rights by displaying accounts on my credit report without consent and therefore would like them removed immediately. 
Based on the laws 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-07-27
Company: Receivable Management Group, Inc. (GA)
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX  XXXXT ( Original Creditor : XXXX XXXX OF XXXX XXXX ) Account Number : 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 2021-04-20
Company: TRUIST FINANCIAL CORPORATION
State: LA
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:
Mutiple credit inquiries were created without my consent or knowledge. I called all companies XXXX in regards to the inquiry and asked that it be removed due to it not being authorized by myself.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: NY
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:
account number XXXX I have filed several disputes regarding this account and requested a full investigation. i received a response that the investigation was completed and the information was accurate. However I can see this account still reporting inaccurate information on my report, which is negatively impacting my score and hindering

my life financially. at this point I feel as if I am being bullied! According to the law 15 u.s code 1681i, Procedure in case of disputed accuracy, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the 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. 

I am not liable for this debt with XXXX XXXX XXXX XXXX. nor did i ever enter into a contract with XXXX XXXX XXXX. They never provided me with the original contract as requested

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 2022-06-24
Company: Experian Information Solutions Inc.
State: TX
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:
The Credit bureaus Experian and XXXX stated that my account with XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX has been properly investigated, but with further investigation by my part by obtaining a detailed credit report I have found inaccurate information reported. Collections inaccurate, Account type ( details ) inaccurate, Number of month ( terms ) inaccurate, High credit inaccurate, Payment status inaccurate, Last reported date inaccurate, Comments inaccurate, Date last active inaccurate, and also Last date of payment inaccurate. Also the reporting Originator Creditor name are not matching as well. In review of my consumer credit report I have noticed that there are multiple inaccuracies reported wich are violations of my rights under 15 USC 1681 SEC 602 ( a ), 15 USC 1681 SEC 604 SEC ( 2 ), 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ), 15 USC 1681 Sec ( 2 ) ( 8 ) ( e ) 15 USC 1681 ( 5 ) ( a ) 15 USC 1681 602 A, 15 USC 1681 604 A. I have never gave permission written nor verbal for any information to be provided from or by any entity for any purposes. Under 15 USC 1681n ( a ) ( 1 ). Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} shall be awarded per violation. I want {$1000.00} per violation for actual and statutory damages as well removal of account from my consumer credit report by all reporting bureaus.

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 2023-11-08
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I made a mobile check deposit for my daughter in the amount of XXXX via cashiers check payable from my mothers account via XXXX XXXXXXXX XXXX to her ( her being XXXX ) endorsed to me ( her mother ). 

There was a ten day hold placed on the check. Standard with new accounts which was fine. 

I went into the branch later in the week to withdraw funds I deposited via a money order that same day and was told my account was restricted. 

I spoke with the department in charge and was told that they no longer have a way to verify information with XXXX  XXXX XXXX so i needed to verify that I was the intended payee of the check. I explained that I was instructed as her mother to be within my legal rights to deposit for her. They then informed me that they had no information on my daughter, of course, and that my daughter needed a phone number that would pass verification through XXXX XXXX before they would release the funds or else they would close my account in 10 days. I offered to bring my daughter in with school id and was told that would not be acceptable. The rep on the phone then followed up by saying to unrestrict my account completely I would need her birth certificate, a copy of her social security card, a current photo of her, AND a phone in her name. 

My daughter is XXXX XXXX XXXX, she is not able to obtain her own phone credit line. I personally feel this to be a violation of my daughters privacy rights. As she is a minor. I do not see why her being present is not acceptable. 

All of my funds are being held & my account will be closed within XXXX hours if this is not resolved amicably. They have not even provided a written notice giving reason for the restriction I do not even wish to bank with chase at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.please see attached account number as follows # 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 non-monetary relief
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a new vehicle in XXXX thru XXXX. My loan had a balance of XXXX. I was a month and half past due where they reposted my vehicle where I had a cple of months left. Where I lost out on work, and bills got backed up even more due to me not being able to get to work. I'm sure that it was a result of misapplied pymts and extra fees where I could of still had my vehicle that I had paid over XXXX for. I had to buy another vehicle and had a lot of pain and suffering of 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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 Balance on XX/XX/XXXX {$1800.00} Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX has violated rights of privacy.

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting acengy 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 explanation
Consumer complaint received 2022-06-23
Company: Rausch Sturm LLP
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Rausch Strum LLP is the debt collector for XXXX XXXX XXXX. 
Statement says as of XX/XX/2014 i owed {$2500.00} Between then and today i was charged {$1300.00} i paid and was credited {$3100.00} and now saying i Owe {$780.00} Oklahoma state law for statute of limitations on any debt is 5 years this account is 7yrs and almost 9 months old coming on 8yrs. I would like this debt collection removed from my credit report and to not be contacted further.

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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The Credit bureaus Transunion, XXXX and XXXX stated that my account with XXXX XXXX XXXX account # XXXX has been properly investigated, but with further investigation by my part by obtaining a detailed credit report I have found inaccurate information reported. Collections inaccurate, Account type ( details ) inaccurate, Number of month ( terms ) inaccurate, High credit inaccurate, Payment status inaccurate, Last reported date inaccurate, Comments inaccurate, Date last active inaccurate, and also Last date of payment inaccurate. Also the reporting Originator Creditor name are not matching as well. In review of my consumer credit report I have noticed that there are multiple inaccuracies reported wich are violations of my rights under 15 USC 1681 SEC 602 A, 15 USC 1681 SEC 604 SEC ( 2 ), 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ), 15 USC 1681 Sec ( 2 ) ( 8 ) ( e ) 15 USC 1681 ( 5 ) ( a ) 15 USC 1681 604 A. I have never gave permission written nor verbal for any information to be provided from or by any entity for any purposes. Under 15 USC 1681n ( a ) ( 1 ). Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} shall be awarded per violation. I want {$1000.00} per violation for actual and statutory damages as well removal of account from my consumer credit report by all reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Currently living overseas and I would like to access my credit reports from all credit reporting agencies. For some reason, whenever I request a free credit report from websites such as XXXX XXXX XXXX, I receive the following message " The XXXX  website is not currently available at your location. '' Not sure why but I tried multiple sites with the same request and got the same response. 
How can I get my credit reports while living abroad? Many thanks for your help.

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 2023-08-14
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: Their investigation did not fix an error on your report

Complaint:
Why are you continuing to report this account when I notified you that the company has agreed to remove it from my credit report? You failed to conduct an investigation, even when I sent proof that my identity was stolen as well as the debt delete letter from the company. XXXX has since removed this account, yet you are still reporting it when all data furnished should be consistent. If this is not removed from my credit report within 7 days, I will be seeking monetary compensation and taking this to small claims court due to negligence and violation of the FCRA.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is something seriously going on with my credit. I keep seeing some hard inquiries that are not mine or associated with me. I am a victim of identity theft, the 3 major bureaus have my proof already. I just checked my report again, and am see some hard inquire that aren't mine. I want them delete immediately, and i am asking for my credit report to be correctly update, and current. According to the law, all hard inquire reporting on a consumer 's report must have a permissible 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 2022-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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:
I have requested a credit line increase 12 times since 2021 and a lot more times before that. I have called and asked and they say I need to talk to credit analyst because they go through a third party to approve or reject credit increases. I have solved issues that they have given me for reason of being rejected such has not using my account enough. I have used over 100 % of my limit by paying it off early. Then they give me other reasons why I am being rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-09-19
Company: JACKSON & McPHERSON, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Jackson & McPherson LLC violated 15 USC 1692 ( e ), 15 USC 1692 ( j ), and 15 USC 1692 ( k ). They submitted false documentation to the courts in the attempt to collect a debt. Per the Constitutional Law, 15 USC 1692 ( e ) ( 3 ), it states a lawyer can not represent in a debt collection. They filed false documentation to take my home without presenting all documentation to the judge and I wasn't even given a trial date. I have requested a copy of the original promissory note as well as the on and off ledger that they claim to have from their client and have not received it. I also requested a copy of their W9 and the name of the company who there Indemnity Bond/Agreement is with because they have violated and committed fraud. I was told that she couldn't give it to me then I was told to give my email and the lawyer would contact me in which I still have not received as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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: Investigation took more than 30 days

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 DEPTEDXXXXXXXX XXXX XXXX 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 a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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: Investigation took more than 30 days

Complaint:
In accordance with the fair credit reporting actXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT ED XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX XXXX 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 a account without my written instruction.

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 2022-09-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation