BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
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:
On XX/XX/XXXX, plus XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX sent an investigation to the credit bureaus to check every piece of information on my account certified mail, I keep copies and track of things. I told them to investigate everything on my credit report and to make sure every is 100 percent accurate. 

Here are my USPS tracking numbers XXXX, XXXX, XXXX XXXX, XXXX XXXX They have not reviewed any supporting documents. 
They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

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

According to : 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. 

They continue to ignore the law and inaccurate information nothing has been updated expected stated as verified. This is why I'm filing a complaint. Can you check into this CFPB? I heard if this is not correct i can ask for damages in small claims court. thank you for your time.

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 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 currently have three fraudulent inquiries on my XXXX credit report, that i have reported to XXXX agency and they have yet to delete the incorrect information on my credit file. 

I called several times and when Im not getting anywhere with customer service agent, I than request for a supervisor but of getting to speak with a supervisor the agent placed me in a hold for over an hour. 

The inquiries that are in question are listed below. 
XXXX XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: FL
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 XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX, has violated my rights. 

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

! 5 U.S.S 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, has violated my rights. 

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

! 5 U.S.S 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: FL
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. 

Account name : XXXX # XXXX has violated my rights, Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights Account name : XXXXXXXX XXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name XXXX DP OF EDUC  # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : XXXX XXXXXXXX # XXXX has violated my rights Account XXXX : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : XXXX XXXX  Bankruptcy # XXXX has violated my rights Account name : U.S. Bankruptcy Court # XXXX has violated my rights Account name : XXXX XXXX Bankruptcy # XXXX has violated my rights Account name : US BKPT CT NY XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause t

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions 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:
I have no knowledge of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States that 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 instruction.

I am a victim of fraud.

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 2022-06-22
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:
I have no knowledge of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that 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 instruction.

I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have no knowledge of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that 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 instruction.

I am a victim of fraud.

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 2023-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft AMEX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRUIST FINANCIAL CORPORATION
State: SC
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 right USC 1681 section 602 states I have right to privacy 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 any purpt

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 2022-08-21
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'm reporting the case # XXXX completed by XXXX in Global consumer services/Equifax. It's recorded me stating " Equifax to being dismissive and deceptive, and she answered, agreeing, I know ''. This case consisted of a number of dialogues between me, representatives, agents, supervisors and supervisors in charge from the XXXX  of this month regarding the reporting and accounts that were promised to be deleted. Me exerting my consumer rights, rightfully. However, I asked for a case # to be provided to me from the dispute # XXXX on the XXXX of XXXX initiated without my knowledge or authorization from the supervisor, XXXX from Equifax. Also, to include how the customer service I experienced consisted of bait-switch tactics and interference regarding my consumer report. I was only granted a suggested date of the XXXX of this month, XXXX, only creating a case from call logs from the XXXX of XXXX, instead of the XXXX of last month as I requested. Now, it was stated to me on XX/XX/XXXX that 23 accounts from XXXX XXXX XXXX  were to be deleted and it received a confirmation # of deletion, with reassurance from the supervisor in charge, XXXX. Who agreed that they were to be deleted. They have not been deleted as promised! Instead, I have received excuses, misinformation, misguidance, negligence, and interference. No valid reason to why my account is not reporting truthful and accurate, even upon reinvestigation ( s ). Equifax is reporting incorrect information on my credit report via error code reporting and inaccurate credit score. My consumer rights are definitely being violated to the upmost. They're willfully being unfair, negligent, deceptive and interfering with my right to an accurate consumer report and diminishing my creditworthiness by doing so. I am lawfully demanding monetary relief for all the consumer laws broken by Equifax. 

Rights violated to the fullest extent by, Equifax.

FDCPA SECTION 806 FDCPA SECTION 808 CONSUMER LAW 15. U.S CODE 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
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:
Several disputed items remain on my credit report as of today XXXX XXXX. 
1. XXXX XXXX XXXX shows over 30 days past due for XXXX and XXXX updated on XX/XX/XXXX. Attached is the car title dated by the state of Florida for XX/XX/2022 supporting my claim that there is no past due or balance due on this account for XXXX and XXXX. Especially considering that the time to pay off the loan and receive the title from the state is at minimum 30 days. 
2. Department of EducationXXXX shows account closed due to transfer. This account is not a transfer but part of a loan forgiveness acquired last year. The document is attached to this complaint. 
3. In XXXX there are 8 hard pulls on my credit from 3 mortgage companies. Four from XXXX XXXX XXXX XXXX Two from XXXX, Two from XXXX. Due to the current market, trying to buy a home is a long process requiring my prospective mortgage companies to update my file over several months. Any adverse effect on my credit should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XXXX XXXX Applied for a credit card XX/XX/XXXX- Called as card was not able to be activated online, after 45 minutes of back and forth on hold customer service rep told me it was activated and there should be no issues XX/XX/XXXX, called again - was transferred to fraud, then back to customer service, then to fraud, back to customer service. XXXX and customer service rep told me no issues are on the card and do not know why its blocked, however was finally transferred to " account Verfications '' who asked me to fax ID and SS proof to Barclays. 

XXXX XXXX Faxed requested documents XXXX XXXX Called Barclays and after one hour with a customer service rep, she said they would send me a new card but she doesn't see what the issue is or why I can not use the cards. Account is still blocked online! Spoke to XXXX. 

I already paid the annual fee of {$95.00}.

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 2022-08-21
Company: EQUIFAX, INC.
State: PA
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 are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items on my credit report : Inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX No Category XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Venmo has locked my funds since XX/XX/2023 I am unable to withdraw! 
they keep fooling me around with copy paste emails or they ignore my emails completely. they are a criminal organization who is fooling people in order not to payout! they stole {$1800.00} from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have contacted Transunion Multiple times and sent multiple letters explaining I have inquiries in my report that I haven't authorized and are violating my rights and the fair credit report act law. Transunion states that credits do not need my authorization to pull my credit report even thought I explained to them on the phone that they are violating my privacy. [ 15 U.S.C. 1681a ] ( 2 ) ( b ) the term consumer report does not include. '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Transunion has been answering that the inquiries have been investigated and verified without providing documents that the inquiries have been verified, violating [ 15 U.S.C. 1681a ] ( 2 ) ( e ), which states, " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' and 1681a ] ( 2 ) ( f ) which states The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

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