BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following accounts : Acct name : TD BANK USA/TARGETCREDIT Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. 

I still have not received written confirmation of these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, 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:
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 # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 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 to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: MS
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:
n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX Account number : XXXX, XXXX Account Nunber : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : 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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Office of the Attorney General is the official child support enforcement agency in Texas. In addition to enforcing payment, the AG 's Child Support Division helps locate noncustodial parents, establish paternity, collect and distribute payments, and review and adjust child support orders. 
15 U.S. Code 1681s1 - Information on overdue child support obligations Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency ; and ( 2 ) antedates the report by 7 years or less.

As noted above in the referenced statute concerning Credit Reporting Agencies, the only permissable purposes of reporting child support payments/non-payments has to come by " A State or Local child support enforcement agency ". The State of Texas is the only child support enforcement agency that's legally authorized to report child support payments/non-payments. Transunion, XXXX, & XXXX are violating the FCRA by reporting child support payment history via-third party agency. The State of Texas does not have an account with E-Oscar that allows their computers to communicate with each other.

The following account is in violation of the FCRA : 1. OAG Child Support Enforcement opened XXXX 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: AL
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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:
My name is XXXX XXXX XXXX and I am submitting this complaint without any influence of a third party or agency.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good morning, Previously I had an outstanding balance with US Bank that I have since paid off. My credit union has advised me that US Bank has not removed my name from XXXX Please remove my debt immediately and provide a statement showing I no longer owe this debt to US Bank. 

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 non-monetary relief
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/22 and XX/XX/22 I reached out to the credit bureaus in regards to inaccurate and unverifiable accounts being reported on my credit report. I was never notified of these accounts prior to them being placed on my credit reports. The last I was told anything about these accounts were at the medical facility and they stated they were submitting the claims to my insurance and that I wouldn't have anything to worry about. So to later find that these accounts have been placed on my credit reports without ever receiving a notice, letter, or anything is very disturbing to me. 

As of today XX/XX/22, several months after my initial request I am still awaiting the information on how these accounts were verified and why they were placed on my credit reports without being informed of the accounts prior to placement. According to Section 611 ( a ), it states that failure to investigate these accounts within 30 days gives the reason to immediately delete the accounts from my credit reports. I truly don't agree with them being on my credit reports but I would definitely like to receive the information that was verified prior to them placing these accounts on my credit reports. 

I demand that these accounts be deleted immediately.

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 2022-06-29
Company: Experian Information Solutions 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 kept receiving letters in the mail saying that my application is in progress, which was confusing knowing I haven't been applying for any card so I went to check my credit and I found these inquiry on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-29
Company: EQUIFAX, INC.
State: IA
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 pulled up my credit report and saw a credit inquiry on my Equifax, I never did business or have credit with the company on the inquiry. This is the following inquiry : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: OneMain Finance Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am totally distraught because I feel like this NOTICE TO CURE Letter is an attempt to extort me. 18 U.S. Code 894- Collection of extensions of credit by extortionate this is a violation and up to 20 years imprisonment The letter is also violating 15 USC 1692d ( 1 ) ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

In the letter its states your not attempting to collect a debt but you are. One Main has violated my rights. From the recent call with there representative and now this Notice to Cure letter that I have attached. This is not right and it is damming to me. This notice is a strong threat to me and is a violation of my consumer rights.

Also the Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S, C. 1666 ( e ) for failure to comply with any of the requirements of this section.

If this Notice to Cure doesnt seize its operation I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: NV
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 only applied for one mortage company and when I looked at my credit report I saw there was more then one for a mortage and I WAS not approved for any of them

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 2015-09-04
Company: Global Credit & Collection Corporation
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I understand that I have a debt with XXXX but they have been repeatedly sharing my sister 's phone number with other agencies when I never supplied that phone number to them.

Company response to consumer: Closed
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
State: OH
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:
I initial put in complaint against Equifax on XX/XX/2022, this will be my second time complaining on XX/XX/2022 because the problem has not been resolved. When I call XXXX ( the Voice recording ) ask me to verify my social security, zip code, address number and the voice recorder comes back stating my information that I entered is NOT VERIFIABLE. This is a HUGE problem, I can't buy a house, can't get funding my for business, and can't apply for certain credit cards to due this huge issue. 

And Equifax continue to send me mail in my son 's name which is XXXX XXXX XXXX XXXX When Equifax send me mail they never send it in my name. MY NAME IS XXXX XXXX XXXX. If this issue is not resolved I suppose we have to look for a FCRA lawyer, because clearly no one understand what I am talking about. My patience has ran out. 

I have tried to upload a XXXX min video recording of me calling Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
How can this account be closed and yet it states that I am still paying on it in the monthly payment section Once an account is closed there should be no monthly payment unless the status says " now paying was charged-off '' 15USC 1692e. False or misleading representations XXXX XXXX XXXX Account Number : XXXX Inaccurate. invalidated account prove it XXXX. You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I XXXX XXXX XXXXXXXX Account Number : XXXX Please remove accounts and DO NOT PERMIT to be re-inserted or reported under another name alias etc. immediately.

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 2022-12-01
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is debt I have no knowledge of this debt and I have told these people this repeatedly although they keep calling me they placed this on my credit report without my permission and refuse to remove it unless I paid them this amount owed by someone else. I refuse to pay this and they refuse to remove it from my credit report this is fraud and it is illegal they did not contact me by mail or phone until after I contacted them to remove this information off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
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: Their investigation did not fix an error on your report

Complaint:
Transunion is in violation of the FCRA. I sent Transunion ( via certified mail ) multiple dispute requests dated XX/XX/22, XX/XX/22, and XX/XX/22. Each of those times Transunion said the results were verified or they modified the file as a result of the investigation. After 3 attempts of disputing and each time coming back verified, I exercised my rights under FCRA 611 ( a ) ( 7 ). I requested a method of verification along with a re-investigation. I stated that any automated response or e-Oscar verification was unacceptable. I listed the accounts in question and sent that request via certified mail on XX/XX/22. FCRA 611 ( a ) ( 7 ) provides A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Transunion did not comply with my request for method of verification. On XX/XX/22 I sent Transunion another letter via certified mail asking them to delete the accounts in question based on their lack of compliance with the method of verification. I asked them to do so within 15 days of receiving that letter. Transunion received that letter on XX/XX/22. As of XX/XX/22 those items remain.

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 2016-11-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I sold my car on XX/XX/2016. The dealership that bought it sent the buyoff to Wells Fargo Dealer Services and they show a payoff of the remaining balance of the loan on XX/XX/XXXX. On XX/XX/XXXX, I was charged another payment of {$500.00} for the loan automatically, despite the loan being paid off. I have been unable to reach anyone from Wells Fargo Dealer Services due to me not having an active loan with them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: KS
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:
Multiple FRAUDULENT hard inquiries XXXX and Experian will not delete these off of my credit report According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 



XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX  ( Miscellaneous ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXXXXXX  ( Bank ) XX/XX/XXXX EXPERIAN XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/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 2022-06-29
Company: Paypal Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I tried once again to apply for a working capital loan which I have successfully had more than 2 of them and successfully paid them back.

I called and this time the agent was very helpful he knew what he was talking about and you could tell he was perplexed at why I was not being approved either. 

I don't think that I am going off the hook to quick in LABELING THIS DISCRIMINATION IN LENDING because nothing has changed and there is absolutely no reason based on the facts that I should be being rejected for these loans. 

I have been a longterm customer more than 20 years on this particular account and I was one of the first one hundred customers of PayPal under another account.

Loyalty returned with discrimination? I do know that there is another bank called web bank behind these loans so they might be part of the problem too? 

Also I tired to add my email to the account ( XXXX )

Company response to consumer: Closed with explanation