BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. please remove 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 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a medical collections on my account that is not mine, and I did not authorize these inquiries : Creditor/Furnisher : XXXX XXXX  XXXX XXXX Creditor/Furnisher : XXXX XXXX - XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX  XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX/XXXX  Creditor/Furnisher : XXXX  Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX   XXXX  Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX/XXXX  Creditor/Furnisher : XXXX  XXXX XXXX   Creditor/Furnisher : XXXX XXXX XXXX Also, I filed a complaint with the FTC report as well.

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 2017-09-12
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:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint as response to the most recent investigation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. Under th FCRA 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. If the Credit Bureuas do not comply with the request to correct the disputed accounts, I would highly appreciate it if the disputed items will be removed immediately XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.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 2022-06-15
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I only have one checking account. 
My checking account is with XXXX XXXX in XXXX XXXX Texas. 
I do not have a joint account with anyone. 
I have a single savings account. 
I have a single checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to the recent XXXX data breach I want to freeze my credit. I was able to do this easily with XXXX and XXXX, but Experian has made it impossible to freeze my credit in a timely manner to protect myself. Ive tried their online system multiple times as well as their customer service lines and each time I face multiple crashes and a final message that they are unable to process the freeze so I should mail in a large number of sensitive documents. No option to communicate or alternative process was offered. They also charged me {$10.00} on each attempt even though they did not provide any useful service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: M.A.R.S., Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband and I leased an apartment from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Oklahoma XXXX. We signed a 6 month lease. In XX/XX/2019 my husband got notice from his job about changes and relocation. Therefore, on XX/XX/XXXX we went into the office at XXXX XXXX to tender our notice to vacate and find out the fee to be released from the lease. The agent we talk to in order to give the notice asked us if we would like to sublet the unit. we asked how does that worked and she explained to us that it would release us from having to pay for the last two months remaining in the lease or any other fees. We agreed to the transaction. She said that there is a lady waiting to see her who is looking for the size apartment that we have but currently they don't have one available. She said please follow me so I can introduce her to you all and see if she would agree to sublet contract. After speaking with her she was very excited and agreed to the subletting. The leasing agent asked us to use the office computer and complete the subletting documents. In which we did. We move out the end of XX/XX/2019. Some months later we got a email saying we owned for the remaining of the lease and all fees associated. We were confused. I contacted the manager but did not get a reply. I emailed the manger about the matter and she replied she was not aware of the subletting or lease takeover. After I emailed her conversations about it she now said she was aware but we are still responsible for the balance. The management can not justify why they are taking such action in trying to make us pay what we are not responsible for. We professionally cleaned the unit and took video and pictures after moving out. We signed all subletting documents. The manger recently reported this debt to the credit bureaus. This indeed was false reporting. If this matter is not resolved in the next 30 days, Our next step is to take file charges against XXXX XXXX XXXX in small claims court and sending this case to the Federal Reserve

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: WELLS FARGO & COMPANY
State: AZ
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:
Wells Fargo VISA has denied me any and all information about activity on my account. The activity I 'm referring to is payments I 've made to WF Visa over the past 2 months that should have resulted in paying my balance in full or perhaps having an amount due to me. The denial has come in the form of not allowing me access through WF online banking nor sending me statements in the mail even after a written request from me in late XXXX. I believe that Wells Fargo 's withholding of the aforementioned information is illegal or unconscionable at best.

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 2022-06-15
Company: Experian Information Solutions 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 my right has been violated with the following accounts below. 

1. Account : XXXX  XXXX XXXX Account Number : XXXX 2. Account : XXXX XXXX  Account Number : XXXX 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 reason

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 2017-09-12
Company: KEYCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was in XXXX, Mi today, XXXX/XXXX/XXXX. I usually use a branch located in XXXX XXXX, Mi. I needed to withdraw {$500.00}, from an available balance of {$640.00}. I attempted to withdraw through the drive-through around XXXX at Key Bank- located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. After submitting my valid id and withdraw slip I waited 15 minutes to have the teller tell me I could not withdraw as the money was on hold. She said I could come into the branch and resolve this. At this point I had to wake up my XXXX XXXX XXXX and bring him inside with me to withdraw my money. I pulled up my online banking which clearly shows my total available balance. the tellers kept saying they could not see where my {$500.00} deposit originated. It came from my mother on XXXX, not that that is any of their business. It had cleared and always has instantly. I was told it had not " hard cleared ''. They could not explain why I could use my debit card, or withdraw from an atm but could not walk into a branch with valid ID and withdraw My available funds. I was being racially profiled and discriminated against in a suburban area. My finance withdrew {$330.00} from a branch in an urban area hours later with no problem. I called key customer service and filed a formal complaint. I asked about their policies and asked if the status of the funds had changed at all since I was inside of that bench. I was informed that the amount had been available I was denied access to My available funds. The customer service agent apologized and agreed that the funds should have been allowed with valid ID. I was told that was wrong and that someone would call and or email me. But no resolution came about. I took everyones names and am filing a complaint here because my civil rights have been violated. I am contacting a lawyer to pursue a lawsuit and dismantle illegal racial discrimination.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
KOHLS/CAPITAL ONE is reporting a claim on my credit report which is showing as a closed derogatory charge-off with {$410.00} balance, which I believe is inaccurate. 

I've sent two certified letters to the company. The first one was delivered on XX/XX/XXXX- with no reply, no requested documents provided, no validation of the account & did not mark the account as disputed with the credit bureaus with the legal time frame of 30 days, as stated and outlined in the FRCA. 

In my letters I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. In which I requested the " validation '' ; to be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual agreement with the company ( which is my legal right as a consumer ). 

I also made the company aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the account, then they must request that all credit reporting agencies delete the entry. 

The second letter was delieveredXX/XX/XXXX, 30+ days after the initial letter requesting yet again proof of validation & to advise the company that this was not a refusal to pay, but a notice that the claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the account they are reporting to the bureaus. And requested proof that I am indeed the party responsible for the debt & the derogatory account that they are reporting on, and that there is some contractual obligation that is binding on me to this account. 

In addition, I made clear that the letter is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

As of today, the account, balance & derogatory marks are still being reported to the bureaus and no validation of the account being mine has been provided, sent, or followed up on. 

I have attached to this complaint the 3 certified letters I sent to the company, copy of the 2 delivery confirmation receipt, & information/account status being reported by the company to XXXX, XXXX XXXX XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2022-06-15
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This company was engaged in predatory lending. I paid off this credit card then they hit me with numerous late fees without ever informing me of the continued charges even though the card was paid off. It's severely damaged my credit and has made it impossible to use any credit since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There are so many inaccurate accounts reporting on my credit that I have no knowledge of and this is hurting me big time! I can't believe these companies will allow this activity and not even notify me and let it impact my score so much. I have sent multiple dispute letters over 60 days ago and I still haven't gotten a response. I don't this its fair for me to have my credit impacted by formation and accounts that I didn't authorize, I removed and this issue to be resolved asap along with at least a response from these companies. attached are my letters and pictures of my identity and address verification. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The communication tactics by XXXX XXXX representatives were obscene and abusive. I called to make a payment over the phone and I was told that my attempted payment amount was absurd and that I should get a job and stop being lazy, among other hurtful language. To top it off, The representative, XXXX, told me that my feelings dont matter to the world and I was better off not in it. This is all during the COVID-19 pandemic and it has been very difficult to find work anywhere while keeping my spirits up. I am also a future XXXX XXXX XXXX who will soon be in a position to protect and serve my country. It pains me to receive this type of verbal abuse knowing I will be protecting this kind of behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have not received investigation results after I submitted my dispute letters to the credit bureaus several times. These are the accounts : XXXX XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : XXXX

Company response to consumer: Closed with explanation