BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: NC
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:
15 USC 1681 Section 602 states that I have a right to privacy. My privacy continues to be violated.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. I have never provided written instructions nor given permission.

15 USC 1666B states 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a complaint on XX/XX/2023 complain # XXXX .However i requested the credit bureau to Transunion to send me a detailed desscription of the investigation according to 15 usc 1681i ( 7 ) No later than 15 days and they never furnished the requested information .They did reply and said the information has being verified and still they are reporting improper information on my credit file .Attached is a copy of my credit report with the information reported which is not accurate XXXX XXXX XXXX XXXX XXXX XXXX No late payments on those and again verify the balance. XXXX XXXX XXXXXXXX Not my account, Its a corporate account company owned by my Ex -wifeXXXX XXXX XXXX XXXXXXXX Not my Account According to 15USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 2021-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Credit card was maxed out here in different locations such as XXXX, then an hour later again in XXXX XXXX or XXXX XXXX then an hour later again swiped in another location far away. Each transaction was over {$100.00} or {$200.00}. I called Capital one and they blocked the card after all my money was taken and my card was maxed out. They said an ID was shown at each time of transaction. I told them that its impossible to begin with but even if its possible to go from XXXX to XXXX and put gas in my car for more than {$200.00}, im currently in XXXX on vacation how could I possible be swiping a credit card in north and south of the entire state of California each hour? Capital one gave me my credit back but said i had to take it to XXXX and the other 2 credit bureaus so they can fix it. I contacted them and they said i had to request an application and mail it to XXXX and only then theyll set out an investigation. It was too much work while capital one knew it was a simple fix caused by identity theft. However, all they did was freeze my account and gave me my money back. Please help me get my points up my credit report went down by more than 35 points. Please and Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
Accounts PORTFOLIO CAPITXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO XXXX XXXX PORTFOLIO XXXX XXXX This inquiry is not mine XXXX 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 2023-09-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been calling all the XXXX consumers companies but the problem is still there

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 2022-06-27
Company: Experian Information Solutions Inc.
State: IL
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:
The company refuses to send me my credit 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 2022-06-07
Company: EQUIFAX, INC.
State: IN
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 a account without my written instructions. 

15 U.S.C. 1681s ( 2 ) : States In accordance with the Fair Credit Reporting Act, XXXX  Account # : XXXX has violated my rights. 

15 U.S.C. 1681 section 604 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. 1681a ( 2 ) ( A ) ( i ) : States ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent a letter on XX/XX/2022 to remove XXXX, XXXX, MA, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX To Whom it May Concern This letter is my 3rd complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates.

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account.

I demand to see verifiable proof ie.an oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts on my police report and ftc be deleted immediately the in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you 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 2023-08-08
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX did not credit my XXXX direct deposit for social security and XXXX to my account on the correct days. Since sending a copy of XX/XX/2021 prior to this complaint. I highlighted the date of XX/XX/2021 It now reflects credit dated XX/XX/2021. Proving there has been changes to my past records. In 2021 my social security differs from the Government disbursement dates. These dates are according to there statements listed today on line. 

LIST AS FOLLOWS. YEAR 2021. 

XX/XX/2021. XX/XX/2021. XX/XX/2021. XX/XX/2021. 
XX/XX/2021. 
These are reflected as current dates my Social security was credited to my account. These were not the days I received my check according to Social security Disability. 

I know these dates are not true because I rely on my social security every month to pay bills. I would have not have waited until the middle of the month. My account has been compromised incomplete statement dates, changing of credits and amounts, entire days removed from my checking account. Payments from XX/XX/2021 that was transferred from my checking to my savings account was posted as a payment to my mortgage account. I transferred XXXX to save toward the total balance that was paid off in XX/XX/2021.

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 2022-06-27
Company: EQUIFAX, INC.
State: MO
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:
XXXX accordance with the Fair Credit Reporting act XXXX account # XXXX & XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX  XXXX XXXX # XXXX all have violated my rights.

15 U.S.C 1681 Section of 602 A States I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
They are reporting fraud accounts thats dosent belong to me.

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 2022-11-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Good morning, This year has been a very rough year to say the least. My wife and I were considering a XXXX  but decided to XXXX XXXX XXXXXXXX  and save our family. Here is what happened : In XXXX, I prepaid a lawyer XXXX XXXX dollars to represent me in a case that never happened. I fired the attorney and requested a refund since our case was a wash and the law firm basically did no work for me whatsoever. 

The law firm refused to refund me, pointed out to me that they had ONLY used around XXXX or XXXX of my retainer, but instead of returning the unused amount to me in its entirety, they only wanted to give me half. 

I disputed the charge with my CC company, sent them ALL OF THE DETAILS from point A to point Z and they sided with the merchant. 

I will fight until I have no fight left to stand up for what is right, ethical and moral. This law firm and cc company ( citi ) are taking away my family 's XXXX by trying to rob me of XXXX XXXX dollars. I need help, please help me! 

I have all of the documentation necessary to prove that the law firm owes me at minimum {$1200.00} dollars, but they are only willing to give me half of that. Which is wrong, illegal, and inhumane.

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 monetary relief
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 a account without my written instructions. 

15 U.S.C. 1681s ( 2 ) : States In accordance with the Fair Credit Reporting Act, XXXX  Account # : XXXX has violated my rights. 

15 U.S.C. 1681 section 604 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. 1681a ( 2 ) ( A ) ( i ) : States ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 2022-08-22
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
I have an account with Barclays Bank Delaware for several years in 100 % good standing ( never missed a payment ). During the peak of the pandemic, Barclays offered customers a covid relief program that we can enroll in for 90 days with penalty or impact to our credit report. I enrolled in this program and unfortunately was STILL reported to have XXXX late payment in my history from XX/XX/2021. As you can see from my history with Barclays that is the XXXX and only reported late payment which was no fault of my own. I contacted Barclays several times about this matter with no resolution. My credit report should be both fair and accurate and this is neither.

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I disputed an account, it was removed from all the other credit reports except for transunion. I received verbal confirmation that it had been removed from XXXX XXXX XXXX on XX/XX/2022 when I called on XX/XX/2022. I paid the original creditor on XX/XX/2022. I submitted a dispute, but according to transunion the debt collection agency, the original creditor is still reporting the account as unpaid and open to transunion. I've been getting the runaround from both companies about how to proceed. I had another verbal conversation that it had been removed on their end ( XXXX  ) on XX/XX/2022, and that it is no longer with them per their supervisor. I had received additional confirmation that it had been taken off of the report on XX/XX/2022. 

XXXX XXXX XXXX XXXX 's contact info is XXXX XXXX XXXX XXXX XXXX, the original creditor 's contact info is XXXX Transunion said that they can't remove it unless XXXX reports it as removed and that they will do so as soon as it's reported to them, XXXX has said that it's up to transunion to remove it. Receipts are attached, it's been paid in full. I'm very frustrated and tired of getting the runaround from both companies.

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: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXXXXXX XXXX Balance : {$470.00} ; XXXX  XXXX XXXX Balance : {$870.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX {$900.00} XXXX XXXX XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy XXXX XXXX  : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXX  : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXXy : {$0.00} ; XXXX XXXX XXXX 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

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 2022-07-28
Company: EQUIFAX, INC.
State: NC
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 has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$260.00} ; XXXX XXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$190.00} ; XXXX XXXX Balance Owed : {$3600.00} ; XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
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:
Without my consent Credit Acceptance sent my name, address, & wrong loan current balance information of {$16000.00} to the Credit reporting Institutes. On their website is a different total balance of XXXX. Reporting wrong information and not validating the debt is a violation under the FCRA 15 U.S.C. 1681-1681x 15 USC 1681c By Law this supposed to be investigated and I found inaccuracies.

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 2022-08-22
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 status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX30 days late in XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation