BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Recently went to the car dealership to LOOK for a new car and without my permission, my credit was ran a ridiculous amount of times to a few companies. the date was XX/XX/XXXX that the Hard Inquiries were added. It was added from XXXX different places. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: 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, my rights have been violated. 

XXXXXXXX XXXX XXXX XXXX  XXXXDept of Education XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have 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 permission.

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 explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Delete late payment information for XX/XX/2019 and XX/XX/2019 on my credit report concerning my XXXX  XXXX XXXX XXXX  last four of acct number is 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 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 Accounts # XXXX, # XXXX, # XXXX and # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, 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:
My name is XXXX XXXX and I am a Consumer and I sent a Dispute letter to Equifax on XX/XX/XXXX along with Proof of Identity, specific information that is a result of identity theft, and a copy of complete and submitted Identity Theft Report with the FTC. 

In return Equifax responded, with a letter stating that they will not block and remove the 3 accounts that I requested. But in the 2nd Paragraph of the letter, Equifax stated that in order for them to block the XXXX accounts under Section 605B of the FCRA I will need to provide them with the following information : Proof of Identity, specific information that is a result of identity theft, and a copy of complete and submitted Identity Theft Report with the FTC. It's crazy because I submitted all 3 of the necessary documents that's needed in order to follow Section 605B of the FCRA and block and remove the items. 

I called Equifax and explained to them what they have failed to do and as a result violate my consumer rights. I talked to a representative and she said they are in fault and she reviewed my file and seen that I had everything that is required to block and remove the 3 accounts. She gave me a confirmation # XXXX and said that the 3 accounts would be removed but they still remain on my Equifax Consumer Report. I look forward to hearing from you and taking care of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. I have the rights 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 response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and Im submitting this complaint without error or influence of any third party agency. Please see the attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with Fair Credit Report Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C. 1681 Section 602A states : I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2. It states that a consumer reporting agency can not furnish an account without 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 2023-02-22
Company: EQUIFAX, INC.
State: CO
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 XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXX , XXXX XXXX XXXX Account XXXX XXXX, And XXXX XXXX XXXX XXXX Account # XXXX , has violated my rights.

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

15. U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Enclosed are three different complaints to all 3 major credit bureaus XXXX XXXX, and EQUIFAX. Advising them that I a am a victim of Identity thief and that i have filed complaints with the proper authorities, enclosed is a copy of the disputes and the identity theft victims complaint affidavits,. I am request that all accounts that have been reported be deleted. The following accounts and inquiries are a fraud .... 

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  There are over 31 fraudulent inquiries on my credit report that must be deleted.

In accordance with the FAIR CREDIT REPORTING ACT the following accounts and inquiries have violated my rights based on 15 U.S.C. 1681 SECTION 602 a. STATES I HAVE THE RIGHT TO P [ RIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 STATES A CONSUMERREPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

I have not authorized nor given any written instructions to have any one furnish these accounts on my behave.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Genesis FS Card Services, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I have contacted XXXX XXXX heHello I have which is the collection agent no wor of times to let them know that I do not owe this ive also contacted Genesis card services back on XX/XX/XXXX of 2021 to let them know that the card was open inaccurately I keep getting calls and emails from XXXX XXXX XXXX this has stopped me from getting the house because its showing in collection when this debt is not mines ive spent over a year trying to get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Enclosed are three different complaints to all 3 major credit bureaus XXXX TRANSUNION, and XXXX. Advising them that I a am a victim of Identity thief and that i have filed complaints with the proper authorities, enclosed is a copy of the disputes and the identity theft victims complaint affidavits,. I am request that all accounts that have been reported be deleted. The following accounts and inquiries are a fraud .... 

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 XXXXXXXX There are over 31 fraudulent inquiries on my credit report that must be deleted.

In accordance with the FAIR CREDIT REPORTING ACT the following accounts and inquiries have violated my rights based on 15 U.S.C. 1681 SECTION 602 a. STATES I HAVE THE RIGHT TO P [ RIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 STATES A CONSUMERREPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

I have not authorized nor given any written instructions to have any one furnish these accounts on my behave.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
CapitalOne offered a balance transfer on my credit card. The offer consisted of sending a check to me for the amount requested so I can use it to pay higher rate cards, etc. 

I executed the offer on XX/XX/2022 ( XXXX PDT ). Today is XX/XX/2022. I've not received a check for the requested amount ( XXXX ). At the same time, CapitalOne *posted* the balance and charged me a balance transfer fee on XX/XX/2022. 

I had a call with a representative on XX/XX/2022. They were not able to either confirm the check had been sent nor provide an estimate for delivery nor explain why a the balance transfer was posted to my account BEFORE a ) the check was received and b ) the check was cashed. 

I've done multiple balance transfers over the years and it is the FIRST time I see such an illegal activity. I'm inquiring costs on a daily basis because of them not meeting their legal obligations, that is, to have provided the check BEFORE the balance is posted on my account. I don't mention the opportunity costs associated with, to name a few, the inability to cover the higher rate cards on a timely matter. 

CapitalOne 's behavior borders fraud. They hold me accountable for a charge on my account without me ever receiving the corresponding service for that charge, that is, the check that I had planned to use. 

It's been more than 15 days since I initiated the transfer and CapitalOne is oblivious as to what the status is. One could potentially think that a CapitalOne employee cashed the check, the balance posted on my account and I'd never receive the funds behind the balance transfer! Etc, etc. 

I find CapitalOne 's process, behavior and customer centricity absolutely outrageous! You can not POST a charge in my account as if I've used the funds without having any intention to provide the funds in a timely manner! It's been 12 days since you posted that balance transfer charge WITHOUT me having received, let alone used/cashed the check!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive received a check from my former employer addressed to me. I was deposited at a atm and it was placed on a hold that is planned to release in XX/XX/XXXX. Yesterday XX/XX/XXXX I tried to make a cash deposit to bring my account balances up at the atm and It refused. I called customer support and my account got flagged for fraud. The check deposited to is a joint account with my partner and her personal separate checking account along with mine has also been frozen. Talked to customer support and provided a number from the check for verification but stated the number was out of service. My previous employer has cut off communication. Ive called multiple times and they could not give a clear answer on why this issue started.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Early Warning Services, LLC
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was sent a text saying that a purchase was being made on my account. If I did not authorize the purchase I should tap on the text. A women came on the phone and told me that my account may have been hacked and we needed to see if there were any other purchases attempted. She had me open an app that allowed her to view my accounts and she showed me other attempts to use the account from different parts of the world. I have been purchasing a few more items than usual lately so I thought it was possible that I had been hacked. She told me that I needed to open zelle and put an amount in of {$990.00} and prove that I was the true owner of the account and then we could cancel the purchases. I foolishly did as she asked. When she asked me to cover a second purchase I realized that it was a scam. I hung up the phone and called my bank. I waited to speak with someone who then transfered me to the Zelle division of the bank. I waited for approximately 30 more minutes and then called Zelle directly. An automated message told me that I needed to contact my bank. So I called XXXX  XXXX XXXX back and they refused to talk to me until I could get my husband on the line and merge the call. And then they transfered me again and I waited again to speak to the zelle division for over an hour. They did finally talk to me and I was able to file a claim. The representatives from XXXX were all very nice and helpful but the phone call from the scammer was over two hours old. I wonder if more could have been done to help get the money back if I could have reached someone sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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, 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 2022-08-19
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Family member stole my identity and personal information. And use it to apply for a us dept education loan.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: LA
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 am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon reviewing my credit report, I have discovered multiple hard inquiries that were made without my consent or knowledge. These inquiries are negatively impacting my credit score and I kindly request that they be removed immediately. I have not applied for credit or authorized any inquiries from the aforementioned creditors on the specified dates. These unauthorized hard inquiries are not only inaccurate but also have the potential to harm my creditworthiness and financial reputation.

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 2022-07-27
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Hi, I applied for amex corporate card from my company and according to amex 's promotional offer website : ( https : //www.americanexpress.com/us/credit-cards/gcpadvantage ), I can receive statements on my personal cards ( Amex Plat, Gold and Green ). 
However, Amex customer service refused to help me enroll all cards and get the promotional credits on these cards ( I have three personal cards ). Instead, they said that they can only add this promotional offer for just one card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: Credit Karma, LLC
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:
Credit Karma notified me that I had a new hard inquiry on my credit report as a result of a XXXX XXXX credit card application that I did not send in. After the perpetrator received the denial, they opened a Credit Karma bank account, ordered the debit card, and added the digital card to their XXXX XXXX, all in my name through my Credit Karma account. They were able to add their own phone number to my account in order to get the verifications necessary, all without any permissions or identity verifications from me, the account owner. Credit Karma could have ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX Collections : 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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard inquiry from XXXX on XX/XX/2022 that I did not authorize. I would like to dispute this hard inquiry.

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