BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-17
Company: Byrider Franchising, LLC
State: IL
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:
My rights as a consumer are being violated by the cooperation CNAC-M105. When entering this consumer credit transaction, I found many issues with this companys policies and procedures. Ive filed many complaints, but this company is not complying with what I am requesting. As a consumer I have the right to opt out of my personal information to be shared with any third parties, those third parties will include XXXX, XXXX, and XXXX. Per the Gramm-Leach-Bliley act it should have been made CLEAR AND CONSPICUOUS that I had the option to opt out of sharing my personal information. Yes, in the credit application it states that my information will be shared, but where was it made clear that I had the option to opt out of this? As a consumer I have a right to privacy. Also, I understand that it is CNAC-M105s responsibility to send out a yearly updated privacy notice, please confirm those have been sent over to me. This company claims that since the credit application stated that they report to the credit reporting agencies, that should suffice as a disclosure, but that is not enough, that is not federal following federal law. 

This corporation has also explained that this is a charged off account. I recently sat down with my tax accountant, and he explained that since I did not report this debt as income, I now have a chance of being audited by the IRS. I havent been able to sleep, and I am very anxious about being audited and being levied tax penalties due to CNAC-M105s unconscionable conduct by not sending the required 1099C form and attempting to collect a debt that has been cancelled. You are violating federal law ; I demand that this account is deleted from all consumer reports immediately. This will be my final attempt to resolve this matter before I must escalate this claim to higher government authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: PA
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:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and that it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Prosper Marketplace, Inc.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I provided all of my personal info and was told that I was preapproved for the loan. I then applied and provided all of the required documents. I was told it would be a few days before i heard something. A week later I called to inquire and was told it was n't a problem. Another week pass and I was call and asked some questions. After that my account was close and I was denied the loan by email and could not log into my account for an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Our ING online account was purchased (? ) by Capital One. My husband tried to access our online account and was locked out. After waiting on hold for up to an hour each time over a week, he was able to reach someone who said our account would be unlocked and it would take 5 days. That was two weeks ago. He has been trying ever since to reach a person at the phone numbers they have online and in the documents they mailed to us to no avail. He has been on hold each time for up to an hour each time. We can not access our money and can not get a hold of anyone to make that happen. We have no idea what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: HEARTLAND PAYMENT SYSTEMS INC
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
The loan servicer didn't appropriate a timeline for when refunds will be handled, and told me they don't know. And I was giving no updates or tracking info about the refund status. I reached out but no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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: Was not notified of investigation status or results

Complaint:
I have been disputing one account with Experian since XX/XX/2021. I have had nothing but problems with getting a response from them! I know they are required by law to provide some type of response to the dispute I send in but I haven't received anything. I even went as far as sending the last 2 letters through certified mail because I wanted to make sure Experian received them, and they did! But here we are, XX/XX/XXXX, with nothing received to me from Experian. This is not acceptable as they are clearly breaking the law and not having and repercussions for it!

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 2020-03-13
Company: RIA FINANCIAL
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent an amount of {$300.00} to XXXX on XXXX of XX/XX/2020, through Ria money but the person hasn't gotten it but shows that the recipient has received it, I called them but they are refusing to resolve the problem. I did the transfer into the recipient bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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: Investigation took more than 30 days

Complaint:
XX/XX/2020 Ive mailed dispute to the credit bureaus certified XX/XX/2020 Ion  day 43 days XX/XX/XXXX I mailed out second dispute letter for removal due to no response the deletion process should have been 15 days it is now 15 days and accounts still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
State: LA
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:
I am a victim of identity theft. I reviewed my credit report last year around XXXX and I seen approx. 5 accounts that I did not authorize. I would like to get this matter resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Im affiliated with the armed forces and really dont event qualify for a payday loan not to mention I was a victim of identity theft and have no knowledge of this debt please remove from my credit report immediately or I have to file a civil suit for defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have received phone calls and letters and I explained to collection agency that I do not believe it is mine and I would need proof that the debt is mine. To date they have not been able to validate. How can you properly validate a medical collection without it being a violation of HIPPA law? I do not believe this is mine. This is not mine. Collection agency refuses to remove incorrect info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2016-02-08
Company: URS Holding, LLC
State: SC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( Enterprise Recovery Systems ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX the loan servicer, Enterprise Recovery Systems ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . Enterprise Recovery Systems reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX. The representative from Enterprise Recovery Systems further advised me that XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " Enterprise Recovery System '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: UT
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.

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 2022-09-17
Company: Experian Information Solutions Inc.
State: FL
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:
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

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX or 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 furnish an account without my written instructions. 

I have attached XXXX XXXX credit profile showing inaccuracies and inconsistencies reported to all 3 credit bureaus including XXXX, XXXX and Tranunion. Also XXXX XXXX and the 3 credit reporting agencies failed to provide verification that I owe this debt. I have also attached a letter that I sent XX/XX/2020 of my request. I have reached out to this company several times by letters and phone calls. Per phone calls representatives instructed me to request a dispute and that is what I did.

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: EQUIFAX, INC.
State: FL
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:
I reported to XXXX  around the XXXX of XXXX in regards to my dispute with XXXX XXXX  not being authorized a sign up request card for company and their credit report disent do it, I reported on XX/XX/XXXX the unauthorized acceptance and request for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, I recently got scammed for a work from home job. I received a {$3300.00} check from XXXX XXXX claimed you work for the XXXX XXXX XXXX and got asked to complete tasks to send money using quick pay. I sent a {$2000.00} and {$500.00} payments to email address XXXX. Then, I realized this was a fraudulent activity. I contacted my bank to let them know that I need to cancel the transactions, but they failed to help me out, saying that the money was already delivered and all they could do is to file a report and does not guarantee my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My employers address is listed on my personal report. I have asked all three bureau 's to remove this from my report as it causes confusion. Experian simply refuses to remove it. They aren't even responding. I have written multiple letters and submitted disputes on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I reached out to the credit bureau over a month ago and I am yet to receive a response, these items are inaccurate and I demand them to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
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: Was not notified of investigation status or results

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
There is an account reporting on my credit report that does not belong to me and I am not responsible for the account. The account is ( XXXX ). THE ACCOUNT IS REPORTING AS CLOSED AND IT DOES NOT 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 explanation
Consumer complaint received 2020-11-11
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:
Two capital one accounts are reporting fraudulently to my credit reports. This is due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Hi my name is XXXX XXXX, I had filed a previous complaint against capital one credit cards, however I have given them enough time to adjust the fradulent charges on my credit cards, however they did make a few adjustments on XXXX of the credit cards, but failed to do so on the other card, I contacted Capital One Fraud team and asked tgem to mail me out copies of all charges from credit card statements, however they did so on XXXX of the credit cards, and I found numerous of fradulent charges on that card alone, that I was unaware of, I called the fraud team at capital one to report these fradulent charges, and they never responded back to me, nor gave me a credit for all of the fradulent charges that I reported. Might I add I called Capital One Fraud team numerous of times, and they really do n't care, I also explained that I am a XXXX person, XXXX to make any out of state purchases, but they still are refusing to issue me credit, I am tired of paying them for charges that I did n't make, also on the credit that they issued on the XXXX card, they recalled some of it back, and they would never mail me a full statement on the card ending in XXXX, I would be happy to mail you all the fradulent charges that they are making me pay for.I will contact a lawyer if it 's not resolved in a timely manner.I have already given capital one months to investigate this matter, but still no response, I called oneday and asked for a supervisor on account ending in XXXX, and he refused to help me, and informed me that was n't his problem. But they are advertising XXXX fraud on fradulent charges, not true, capital one has treated me like a criminal, and has no respect for their customers, these fradulent charges has been going on since capital one issued these XXXX cards through regular mail, since I have filed a previous complaint with CFPB, capital one changed my credit cards, and now both cards has a security chip, and I have not had any fradulent charges since. But once again I have given capital one enough time to correct these fradulent charges

Company response to consumer: Closed with monetary relief