BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 to believe that the information is inaccurate. 
on XX/XX/2XXXX XXXX acct # XXXX XXXX original creditor XXXX XXXX balance {$2300.00} XXXX XXXX XXXX  XXXX XXXX original balance XXXX current balance XXXX this company sold the account to XXXX and they are trying to get money from me FDCPA 15 USC 1692 ET SEQ. THIS COMPANY DOESNT OWN THIS DEBT AND ON MY CREDIT REPORT IT SAYS XXXX THE COMPANY XXXX IS SAYING 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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-08-20
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:
In XX/XX/XXXX, I pulled my credit report and noticed erroneous and fraudulent data in my credit reports. I reached out to the credit bureaus and disputed the information. I received mail back informing me about sending in a photocopy of my unexpired identification and social security card along with my dispute letter. I've done this several times and received what in believe to be stall tactic letters, informing me that my social security card and unexpired identification card was not received. I've always sent in these self-verifying documents and received the same generic response letter in the mail. There's been several times I didn't receive any response at all. I am litigious consumer and will be seeking monetary damages for the credit bureaus willful non-compliance. 'I 've recently applied for an auto loan and has been given and unfair interest/insurance rate because of my credit score, which is affected by my inaccurate credit report. 

Date : XX/XX/XXXX Amount {$220.00} Action Taken : Under Collection, status Paid Date : XX/XX/XXXX Amount {$120.00} Action Taken : Collection/Charge off, status Paid Date : XX/XX/XXXX Amount {$180.00} Action Taken : Collection, status Paid Date : XX/XX/XXXX, XX/XX/XXXX, Amount : {$540.00} {$540.00} Action Taken : Revolving Account, Status Paid Date : XX/XX/XXXX, XX/XX/XXXX Amount : {$850.00} Action Taken : Collection/Chargeoff, Status Paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX  XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/XXXX, I pulled my credit report and noticed erroneous and fraudulent data in my credit reports. I reached out to the credit bureaus and disputed the information. I received mail back informing me about sending in a photocopy of my unexpired identification and social security card along with my dispute letter. I've done this several times and received what in believe to be stall tactic letters, informing me that my social security card and unexpired identification card was not received. I've always sent in these self-verifying documents and received the same generic response letter in the mail. There's been several times I didn't receive any response at all. I am litigious consumer and will be seeking monetary damages for the credit bureaus willful non-compliance. 'I 've recently applied for an auto loan and has been given and unfair interest/insurance rate because of my credit score, which is affected by my inaccurate credit report. 

Date : XX/XX/XXXX Amount {$220.00} Action Taken : Under Collection, status Paid Date : XX/XX/XXXX Amount {$120.00} Action Taken : Collection/Charge off, status Paid Date : XX/XX/XXXX Amount {$180.00} Action Taken : Collection, status Paid Date : XX/XX/XXXX, XX/XX/XXXX, Amount : {$540.00} {$540.00} Action Taken : Revolving Account, Status Paid Date : XX/XX/XXXX, XX/XX/XXXX Amount : {$850.00} Action Taken : Collection/Chargeoff, Status Paid

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 2022-08-20
Company: Experian Information Solutions Inc.
State: AL
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 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 instruction.

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 2022-08-20
Company: EQUIFAX, 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:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized by me. There are variation of companies name, account numbers are incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with the company and all credit bureaus only to be denied even while reporting XXXX XXXX XXXX they are breaking FCRA Laws. Some of their variations of names are : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 

This tactic is a devious high tech scheme to try to keep uneducated ( to the law ) consumers in bondage. 
On XX/XX/2022 my credit score plummeted over 100 points. XXXX XXXX XXXX for months have reported willful, erroneous, illegal, fraudulent items on my consumer credit report. It has cost me a great deal of grief, money, time and stress. It has affected my health, my credit score has decreased, denied credit, denied employment, denied housing opportunities and loans. 
SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-08-20
Company: EQUIFAX, INC.
State: AL
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 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX 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 instruction.

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 2022-08-20
Company: ZWICKER & ASSOCIATES
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Zwicker and Associates notified me in the spring of 2022 that they had taken on my account from XXXX XXXX XXXXXXXX XXXX. I been in a year long payment arrangement that I paid diligently on time. Then when the arrangement ended, I had been forced to change to a lesser paying job, then go part time, then not work at all due to health issues surrounding XXXX XXXX and survival of XXXX with complications. I offered Zwicker and Associates a payment plan that was the highest amount I could do without any net income. I faxed this and outlined it to them on three different occasions including yesterday, XX/XX/XXXX, after finding out through the internet and soliciting attorneys that Zwicker had filed suit against me on XX/XX/XXXX in XXXX XXXX court. They have not, to this day, provided any notification of this filing to me. I only learned of it through other attorneys wanting to represent me in this hearing! I contacted XXXX XXXX in the XXXX XXXX for Zwicker via email outlining my request for settlement and notifying him that I had not been notified by them or the court of the lawsuit and had found out by chance. I made a settlement offer. 

This complaint is due to the fact they Zwicker and Associates filed a lawsuit against me to serve judgement for the debt I own to XXXX and did not, to this writing notify me of the suit, therefore, it would have ended in a default judgement because I never knew the suit was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 balance transfer

Complaint:
On July 28th, Capital One received a payment of {$2100.00} from XXXX for outstanding payments on my credit card ending in XXXX. This payment was in error since I had made a previous payment on July 14th of {$2200.00} for the same purpose. I called Capital One and was told that yes, the payment of {$2100.00} exceeded the amount required to pay off the outstanding balance, and a check would be remitted for the balance of {$2100.00}. 

This appeared clear cut to me. I overpaid and Capital One would reimburse the overpayment. 

In looking at my statement, on August 16th, I find I had been charged {$2100.00}. I called customer service and eventually talked to a XXXX who tried to explain why I was charged. The explanation was incomprehensible. She could not understand that there should have only been two actions : ( XXXX ) Capital One received an overpayment. ( 2 ) Capital One returns the overpayment. 

Although I contacted the card company about two weeks ago, I have yet to receive the {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2023-02-07
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
During later XXXX of XXXX, I viewed my credit report to see what I could do to improve my score. I saw an account in collections for National Credit Systems and searched for contact information, as I was unaware of this account being in collections. National Credit Systems state that the account is from XXXX, but have made no efforts in contacting me ( phone call, email, mail, etc. ) to inform me of the debt. When I spoke to the company in XXXX, they refused to send me any debt verification as well as offer as form of options for dispute/mitigation. I called the company again today XX/XX/XXXX and received the same answer : they do not provide any documentation regarding the debt. The company informed me that they offered me a settlement of the debt, but they have not contacted me about it. I had no idea an account was reported and that there has been a settlement offer. They've had my phone number and address on file yet I have been denied verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX-NELSON & KENNARD, XXXX XXXX XXXX XXXX XXXX XXXX SENT A LETTER TRYING TO COLLECT DEBT FOR ABSOLUTE RESOLUTIONS FOR THE AMOUNT OF XXXX ... XXXX XXXX XXXX-I SENT A LETTER ASKING TO VALIDATE THE DEBT ... XXXX XXXX XXXX, NELSON & KENNARD SENT LETTER WITH INTENT TO FILE SUIT WITHOUT EVEN FIRST VALIDATING THE DEBT AS REQUESTED ON XXXX XXXX XXXX.... AS TO TODAY, XXXX XXXX XXXX, IT HAS BEEN MORE THAN 30 DAYS. I STILL HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THE DEBT SINCE I REQUESTED IT ON XXXX XXXX XXXX. THE DEBT IS UNVERIFIABLE BECAUSE NELSON & KENNARD DID NOT RESPOND WITHIN 30 DAYS. I WANT NELSON & KENNARD TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. I WANT NELSON & KENNARD NOT TO FILE SUIT. I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY... REFERENCE NUMBER XXXX

Company response to consumer: Closed with explanation
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I have been in dispute with XXXX, XXXX and Experian about these incorrect accounts that have been allowed to report on my credit report without my knowledge and permission. While waiting on these accounts to be removed from my report, I decided to do my own research and I found that the according to the Fair Credit Reporting act these accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

It came to my attention that customer reporting agencies can not report without my written consent or without verifying the information is correct.

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 2022-10-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: EQUIFAX, 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:
Hello, I have been in dispute with XXXX, Equifax and XXXX about these incorrect accounts that have been allowed to report on my credit report without my knowledge and permission. While waiting on these accounts to be removed from my report, I decided to do my own research and I found that the according to the Fair Credit Reporting act these accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

It came to my attention that customer reporting agencies can not report without my written consent or without verifying the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX 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 instruction.

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