BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I opened a car insurance policy, I made my dad a driver on my insurance. Unbeknownst to me my father had a previous debt with XXXXXXXX XXXX in the amount of {$4000.00} due to Covid. The debt was placed on his credit. On XX/XX/XXXX my fathers debt was transferred into my name. My father and I reached out to the company and tried to have the debt transferred back into his name. The company said that I should remove myself from the policy so that it's in his name. Because the policy was in my name and I was the primary driver I wasn't allowed to remove myself from the policy. My father then removed himself from the policy with hopes that the debt would follow him but it still remained in my name. I received a collections letter in XXXXXXXX XXXX XXXXXXXX. I asked the collections agency was a way to transfer the debt to him. I was told to provide supporting documents that it was indeed his debt because when they received the debt it was only in my name. I then reach out to XXXX XXXX  again in one last attempt to transfer the debt back into his name. The rep said they could possibly reopen his account and put the debt back in his name but once I spoke to the finance department they reiterated that they weren't willing to transfer the debt back to him. The original rep expressed that she believe they transferred the debt onto me because they believed he was either trying to avoid the debt or the premium. I don't recall exactly which one. I then requested a letter basically stating that the debt was originally his so I can have valuable supporting documents to provide the credit company. They said they would check and see if it was such a letter available but I haven't heard anything since. I'm XXXX XXXX XXXX with a XXXX  year facing my own financial hardship. I don't believe I should be held liable for a debt that is obviously not mine. As well as the fact that my father has owned his debt on a recorded line with both the insurance agency as well as the debt collector. So I currently have a {$4700.00} debt in my name which is hindering my credit building process.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: TN
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 XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXX  opened XX/XX/XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have my right to privacy 15 U.S.C 1681 section 604 A sectition 2 : it also states 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 2023-04-21
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-21
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: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$230.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$390.00} 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

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 started disputing with TransUnion in XX/XX/2020, I haven't been successful with them at all in any of the disputes submitted and it is very aggravating! my last 2 disputes i sent to them through certified mail to make sure they got them, and they claimed it wasn't me disputing, I took that very offensively and it is not okay!

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 2023-02-21
Company: EQUIFAX, 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:
I specifically demanded that Equifax explain what was their method of verification which is law under my consumer rights. I went into detail as well as included the laws as well as there definitions in both the letters that I sent to Equifax as well as below. Equifax not only failed to give me a proper response or update but they also responded to my CFPB complaint with a statement that had nothing to do with what I was requesting. Below you will find a detailed breakdown of my struggles with Equifax : On XX/XX/XXXX I sent Equifax a certified letter in which it showed it was received on the 12th outlining how Equifax violated my rights as a consumer under 15 USC 1681. On top of violating my rights Equifax also failed to respond within 30 days. I am just now receiving an update and response to my letter on XX/XX/XXXX. The subsections Equifax violated are as follows : 15 USC 1681- ( a ) ( 1 ) 15 USC 1681- ( a ) ( 2 ) 15 USC 1681-a ( 3 ) 15 USC 1681-a ( 4 ) 15 USC 1681b.2 This situation has been very frustrating and the reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit 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:
On the night of XX/XX/XXXX, XXXX unused payments were made to my Capital One debit card account. I didnt purchased. 
XXXX is {$300.00} at XXXX and the other is {$410.00} at XXXX XXXX. Then my email saying they tried again to pay {$260.00} from XXXX but it was denied because my debit account didnt have enough money. The important thing is that someone has been continuously trying to make payments with XXXX XXXX and Capital One credit card for several months now. So I locked my credit card and deleted my XXXX XXXX. But I'm seriously worried that someone knows all my accounts. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Bank of America has made a decision to close the XXXX credit cards I had with them. They informed me the decision to close the account on XX/XX/XXXX. At the same time, they do not allow me to redeem the cash back rewards I still have on these XXXX credit cards. XXXX credit card has about {$800.00} in cashback rewards and another credit card has about {$6700.00} in cashback rewards. Bank of America does not tell me the reason for closing my accounts nor does it give me any heads-up that the accounts will be close so I would have time to redeem the cashback rewards. I understand Bank of America has made the decision to close the accounts, but they can not just keep my cashback rewards ( ~ {$7500.00} ). If Bank of America has the ability to unilaterally close the accounts, then they can not be just cancel my cash rewards on the credit card. This is what pirate would do, no a company like Bank of America.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-02-22
Company: ALLY FINANCIAL INC.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid off my XXXX credit card due to refi of my house. I had a balance of {$20.00}, they could see it was paid off and refused to issue a refund until one full billing cycle. When I asked if they were going to pay me intrest because if I used thier money and did not pay it off right away I have to pay intrest. Talked to 2 manager, even was yelled at, thier policy is not send out over payments until 1 full billing cycle, not done manually. So they get more intrest off the money of mine. I asked for the account to be shut down, it still shows online active. When I called about it they say it was shut down, when I asked why I can still see it active on line, the responce is well you are signup for online. What does that even mean? Shouldn't it stated clsoed or not allow me to view things online? What a horrible card to deal with. Perfect payments for over 3 years, but when it come to giving me an over payment, well we can't do that. I closed the account down and still they will not refund until next billing cycle. I can't believe they will not refund {$20.00} now and instead lost a good person who has used XXXX of dollars, paid on time and never complainted about the intrest they have. I just want me money due to me now since the account isn't even open anymore.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: MS
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-04-21
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 Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2023-04-15
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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclays Choice Privileges Visa card has lowered my credit balance three times in the past few months. I called them back immediately two times, and the representative for Barclays raised the credit limit to its original credit limit immediately. On XX/XX/XXXX, the third reduction in credit was discovered via a credit report. ( XXXX ) This unfair business practice has the consumer at risk. When Barclays decreases the credit line, it adversely compacts my credit score for having a high balance of credit usage. The negative impact on a credit score can take months to recover, and the fees associated with a lower score from all creditors will impact the consumer with no recourse. This practice has no warning or even an attempt to communicate with the cardholder. This practice feels like credit card bullying, which seems to be a common practice for Barclays. 

An example of my complaint : Previous Balance of {$7000.00} and a credit limit of {$10000.00}, which equals a 70 % loan to the credit limit. When they decrease the credit limit to {$7200.00} with no warning or allow the consumer to make corrections, it changes the loan to a credit value of 97 %. This business practice impacts the current and future cardholders because Barclays/Choice Privileges Visa can impact future and downline credit opportunities with this practice. This is pure credit manipulation and consumer bullying.

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 2023-06-03
Company: Blakely-Witt and Associates, 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:
First Blakely Witt and Associates are reporting a collection account on my report. I NEVER received any documents from them before the debt was placed on my report. In addition the debt was reporting at an absurd amount of {$20000.00}. XXXX. I started requesting info regarding the debt from the bureaus which was unsuccessful. I was told the debt was verified. Which I knew that was not correct. I never did anything to receive a debt from an apt for that amount. After disputing through them an asking for validation. The debt was significantly dropped to {$6400.00}. However they keep failing to provide documents on how this amount was calculated. They should not be allowed to keep reporting inaccurate info on my report without providing proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2022-12-22
Company: Experian Information Solutions Inc.
State: DE
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-21
Company: EQUIFAX, INC.
State: CT
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:
Im accordance with the fair credit reporting act, XXXX account XXXX ( XXXXXXXX XXXX  ) and XXXX ( XXXX  ) has violated my right to privacy. 

15USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604A states : A consumer reporting agency can not furnish an account without my written instruction.

15USC 1666B states : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation