BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
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:
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 Home improvement with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$140000.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
DEPTEDXXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for home improvement loan due to the inaccurate information on 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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are fraudulent Inquiries on my credit profile that I did not do. ( Identity Theft 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

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 2023-04-12
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:
Seriously, it's been a month since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IXXXX 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 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 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 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 non-monetary relief
Consumer complaint received 2023-03-13
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX XXXX Account number : XXXX US DEP ED Account number : XXXX XXXX has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-05-27
Company: MoneyLion Inc.
State: HI
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 attached payments from my bank account they took out 3 payments in XXXX. How did I get reported 30 days with 3 payments missing out my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company calls from multiple numbers, multiple times a day. Today XXXX from XXXX 3 times, XXXX once, yesterday from XXXX and XXXX yesterday and the XXXX. I have multiple other dates of multiple calls per day exceeding 7 calls in 7 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I am writing to file a formal complaint against Capital One for their non-compliance with 15 USC 6802 ( b ) and their failure to address my concerns regarding my opt-out right. 

On XXXX, I sent a dispute letter to Capital One detailing the specific reasons why I believed they were in violation of 15 USC 6802 ( b ), which grants me the right to opt out of certain information sharing practices. However, despite my attempts to resolve this matter directly with the company, no satisfactory resolution has been reached. 

In my initial communication, I clearly articulated my concerns and requested that Capital One rectify the non-compliance promptly. However, I have received no response or acknowledgment of my complaint to date. This lack of responsiveness is deeply concerning and demonstrates a disregard for consumer rights and privacy. 

I firmly believe that it is crucial for financial institutions to adhere to federal regulations that protect consumers ' privacy and allow them control over their personal information. By failing to address my concerns or provide a resolution, Capital One is neglecting its duty to comply with the law and failing to uphold its responsibilities towards its customers. 

I am seeking your assistance in resolving this matter and ensuring that [ Credit Card Company Name ] fulfills its obligations under 15 USC 6802 ( b ). I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint and take appropriate action to rectify the situation. 
Enclosed with this complaint, please find copies of all relevant documentation, including my dispute letter to Capital One and any subsequent communication or lack thereof. 

I am eager to receive a response from the Consumer Financial Protection Bureau regarding the progress of my complaint. I trust that your agency will handle this matter with the utmost attention and seriousness it deserves. 

Thank you for your time and consideration. I eagerly await your response and a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: CL Holdings LLC
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:
Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 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. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX  - XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX The above accounts were created shortly after my identity was stolen I have no knowledge of these account

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 2023-04-12
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX Original Creditor XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$1800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
Bought a XXXX tree from XXXXXXXX XXXX using my Capital One Credit card. XXXX charged my account $ XXXX twice. I called XXXX and they did not have anyone to fix the problem. I called Capital One after spending XXXX minutes trying to get to someone to speak with they transferred me to XXXX others who simply verified my identity and said there was nothing they can do about it. I was over charged $ XXXX and capital one refused to take the charge off my card. I ask for a supervisor they put me on hold for XXXX mor minutes and then hung up. 

XXXX XXXX XXXX XXXX phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
You would have to get my whole account from XXXX XXXX XXXX and then SPServing! Actually my entire account from XXXX XXXX didnt transfer over my escrow payment for my taxes, nor did the pay my taxes.. SPS Did nothing then or ever!! Went into bankruptcy because of both of them!! In XX/XX/XXXX, XXXX XXXX even refused to give the Home Keeper program the information they requested to give a loan me a loan to payoff the arrears from being a XX/XX/XXXX loan Not because I was ever a day late on payment! I was in a very long modification process, like years, I was in XXXX XXXX executive office, Customer service supervisor Author XXXX!! After an hour long argument he still refused to send it because he did have to!! After my modification the paperwork got sent in XX/XX/XXXX! They took my bankruptcy payments and put them all over the place, up your escrow ever opportunity they have because they are insane!! Say Im not making payments when I am!! They never fixed one think so obviously Im losing my home!! Thats what SPS DOES BEST AND YOU ALL KNOW IT!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a {$10.00} cash advance fee for a transaction that was not a cash advance. The transaction was for {$4.00} and was made through XXXX XXXX. I have never used XXXX XXXX to withdraw cash and I do not have a cash advance limit on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Name : XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/1984 In accordance with the Fair Credit Reporting act The following agencies are violating my rights. 

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 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 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 itern of information, other than records of convictions of crimes which antedates the report by more than seven years.

In 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 did not consent, so please remove accounts/late payments listed above

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 2023-03-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hi, In XXXX we had issues related to XXXX and my son was born ( for which I needed to take paternity leave ). 

In XXXX I needed to take XXXX. Due to this, I also needed to change jobs, from which I was laid off -- due to no fault of my own -- in the beginning of XXXX. 

I am not yet eligible for unemployment and have not found a new job yet and have {$0.00} coming in. 

I have called my credit card companies to ask for a hardship forbearance. 

I called AmEx and have been given the run around, given additional numbers, first I called the number on the back of my card, and spoke to XXXX. She sent me to the " FRP Team '' without explaining what that was, and XXXX then told to call XXXX. 

XXXX picked up the phone, who then transferred me to XXXX XXXX. 

Finally, XXXX told me AmEx would not be willing to do anything unless I would be willing to pay, and that after XX/XX/XXXX I would be sued. He asked for information I believe he had no business to, that was in no ways related to a forbearance so that I could regain my status as a cardmember in good standing after the forbearance was over. 

Yesterday, XX/XX/XXXX, AmEx sent someone over to my residence, who banged on doors and windows, looked through the windows, and scared my wife to the point where she told him she was calling 911. The unknown man left behind a packet of papers indicating I'm being sued, and a number of items in the packet are incorrect. 

Then, today, XX/XX/XXXX, at XXXX someone named " XXXX XXXX '' from American Express informed me that he wanted to " keep my account in good standing '' and that they " valued my business. '' When I mentioned that if AmEx wanted to do that they should drop their law suit, he said he couldn't do that. He asked for a number of pieces of information that was none of their business, like where I bank, and where I work. I told him I had an attorney and that as this was a suit the contact should be through the attorneys but he kept talking anyways. 

It is my opinion AmEx is trying to intimidate me. A process server does have the right to serve me personally, as per the relevant civil codes in NY State, but does not have the right to be a peeping tom and look into my windows and at my wife. 

AmEx clearly lied in that they said they were going to sue me after XX/XX/XXXX, but they tried to serve me XX/XX/XXXX and the papers clearly stated they had actually filed suit in XXXX. 

After initiating legal action ( which has its own set of rules about how they may now contact me through my attorney ) they called me up and asked me to pay off the debt with an implied " or else. '' AmEx certainly doesn't have to be nice, but they do have to follow the rules. This is a clear case of intimidation and I would like to see them drop their suit and work with me like a civilized company.

Company response to consumer: Closed with explanation