BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: Central Portfolio Control Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The collections company sent a text message to a former spouses phone number that I have not been associated with in over 5 years. The text message stated Hi XXXX XXXX, this is Central Portfolio Control Inc regarding a matter our office is handling. We have convenient payment or discount options online at www.paycpc.com using your agency ID : XXXX. You can also contact us at XXXX. Thank you. Text STOP to unsubscribe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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:
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  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  account # XXXX has violated my rights. 

XXXX  account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy.

15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years.

15 U.S.C 1618 s-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 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and when I last came back I checked my credit reports and saw these unauthorized fraudulent accounts on my credit. XXXX ) XXXX XXXX  CREDIT CARD I NEVER OPENED XXXX ) XXXX XXXX XXXX I NEVER OPENED XXXX ) XXXX XXXX  CREDIT CARD I NEVER OPENED, this is a fraudulent account. XXXX ) XXXX XXXX  ACCOUNT I NEVER OPENED OR HAVE A CONTRACT WITH. please remove these unauthorized fraudulent accounts from my credit bureaus

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 2022-06-07
Company: TRUSTMARK CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX using a XXXX XXXX  XXXX  XXXX XXXX to pay my local garage bill so i can get my tag at XXXX XXXX XXXX XXXX XXXX. The teller says can not used this card i thought it was local bank debt card so i took Trustmark bank card for XXXX XXXX XXXX XXXX for {$50.00} @ XXXX XXXX  Then Sunday XXXX Home Phone called XXXX Trustmark Case # XXXX XXXX XXXX {$76.00} for XXXX others are XXXX XXXX XXXX for {$250.00} And XXXX XXXX XXXX in XXXX, tn {$250.00} then it's look like Debit reversal {$250.00} that's was XXXX XXXX  Then XXXX  XXXX XXXX XXXX XXXX  Was {$86.00} on XX/XX/2022 for Fair Market Value prior {$86.00} on XX/XX/2022 for XXXX XXXX  and on XX/XX/2022 same amount same name. 
Thanks very much XXXX XXXX XXXX, Please let me know about this A.S.A. P.

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 2022-07-28
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: Credit inquiries on your report that you don't recognize

Complaint:
these inquires does not belong to me XXXX XXXX date : XX/XX/XXXX XXXX. date : XX/XX/XXXX XXXX XXXX  date : XX/XX/XXXX. only suppose to be one inquiry XXXX XXXX XXXX  date : XX/XX/XXXX XXXX  XXXX. date : XX/XX/XXXX XXXX  XXXX ( bank ). date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX XXXX XXXX date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had three credit card accounts which were reporting to XXXX, Transunion, and XXXX. However, these accounts had different balance amounts. Due to being a victim of identity theft on the Dark Web, as confirmed by XXXX, I placed a freeze on XXXXXXXX XXXX and XXXX. I am filing a complaint with the Consumer Financial Protection Bureau regarding these issues. 

The derogatory marks from these three credit cards need to be removed from all three credit reporting agencies ( XXXX, XXXX, and Transunion ) because you did not provide written consent for this misinformation to be reported. Additionally, there have been numerous hard pulls from lenders and businesses that I am not familiar with at all, which further violates your privacy rights. It is important to rectify these inaccuracies and protect your reputation by ensuring that the erroneous information is removed from all three credit reporting agencies! 

Furthermore, the request to remove the derogatory marks extends to all the hard pull inquiries as well. I am not familiar with the majority of these inquiries, apart from XXXX, it is important to rectify the inaccuracies against my Privacy and rights per CFPB! I am requesting the removal of all unauthorized hard pulls and to ensure that my credit report accurately reflects only the inquiries you have authorized or are familiar with. In conclusion, this complaint is made with a strong emphasis on protecting my privacy rights, as guaranteed by the Consumer Financial Protection Bureau ( CFPB ). The unauthorized reporting of misinformation from the three credit card accounts to XXXX, XXXX, and Transunion, along with multiple hard-pull inquiries from unfamiliar lenders and businesses, is a clear violation of my privacy rights. One reports 7 negative Marks another just 3 and another 5.

I request that all derogatory marks associated with these credit cards and the various inacurate information be immediately removed from all three credit reporting agencies, ensuring the accuracy and integrity of my credit reports. Additionally, I demand the removal of all unauthorized hard pull inquiries that I am not familiar with, with the exception of XXXX. 


By addressing these concerns, I seek to restore my creditworthiness, protect my personal information, and maintain the privacy rights that are fundamental to every consumer. I trust that the Consumer Financial Protection Bureau will take appropriate action to rectify these infringements and prevent such violations in the future. 


Thank you for your attention to this matter and for upholding the principles of privacy rights and consumer protection.

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 2022-04-25
Company: Experian Information Solutions Inc.
State: NM
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S. Code 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. Code 1681c. ( a ) ( 5 ) Section states : no 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 information of convictions of crimes which antedates the report more than seven years. 

XXXX XXXX : Account 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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX and XXXX XXXX have 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 instruct
ions.

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S. Code 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. Code 1681c. ( a ) ( 5 ) Section states : no 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 information of convictions of crimes which antedates the report more than seven years. 

XXXX XXXX : Account 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 2022-06-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
About XX/XX/XXXX, a collection agency send me notice that I owed {$1500.00} and change for a purchase that was made at XXXX XXXX in XXXXXXXX XXXX in XXXX of XXXX. I am now living in XXXX   and have not lived in XXXX, XXXX. since XXXX of XXXX. Some some how got a hold of my old home address in XXXXXXXX XXXX to get a credit to make a purchase at XXXXXXXX XXXX in XXXXXXXX XXXX. The email this person used is not mine and I don't know who this person is. At the time the purchase, I was here in Florida  pumping gas in a local XXXX station. I was constantly being harassed by the collection agency all times of the day and night- even on Sunday. The only reason they have stopped is that my phone number has changed. The collection agency is : MIDLAND CREDIT COLLECTION AGENCY. located in XXXX XXXX, Ca. I tried personally speaking with them on the phone but they will not believe me. As I said, the only reason the phone call have stopped is because my old phone bit the dust and I had to get a new one. This is showing up on my credit reports and I am not responsible for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Goldman Sachs Closed my account for not apparent reason, i had called to verify my account information for them now keep in and have done nothing illegal have my account closed. I have been a account holder since XXXX of 2021!! I rarely ever used my account and i have some updated credentials such as a XXXX doing business as name or assumed name. I always have kept account in good standing. 


I really did'nt remember my information and as i have said before i rarely used this account so it's been awhile for me to remember my information ( still not illegal ). So i contact Goldman Sachs to verify my account. When i finally did i logged in my account and checked my balances. today at XXXX. i was put on hold for XXXX min and transfered to their security dept I spoke with XXXX and she said she had to close my account i asked her why and she told me she coud'nt disclose that information to me. 



I just find it supecious that they closed my account after me being an account holder for over XXXX years. and when i coun'nt remeber my information they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to dispute with XXXX  and XXXX  for the information reported for Bridgecrest. Bridgecrest customer support is very nasty. only time they are nice is when they call me to ask me to purchase another vehicle from them stating i have good credit history with them. XXXX  is reporting adverse account and 30 day late but yet its not reporting on XXXX, or XXXX. I have provided documentation to XXXX  and XXXX  and advise them to remove the comments they added from me trying to dispute the 30 day which has the day it was reported late the same day it was closed from the payoff they received from the dealership. XXXX  shows the exact same date closed. i have reached out to XXXX  and XXXX  as well as Bridgecrest. There is no reason for XXXX  to show no late payment and only XXXX  to show. XXXX  is not showing on XXXX but shows as adverse account on their report. Ive attached all my documents Ive also asked them to remove the statement only response is account updated.

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX CFPB USAA Response XXXX REPORTS FRAUDULENT FRAUD REPORTS. see attatched XX/XX/XXXX statement. The Fraud Claim I REPORTED XX/XX/XXXX XXXX INCLUDE ALL THE ADDITIONAL UNAUTHORIZED REPORTS USAA HAS FRAUDULENTLY REPORTED FOR TWO YEARS. ** see XXXX statement. The Unauthorized USAA CLAIMS BETWEEN XX/XX/XXXX XX/XX/XXXX {$180.00} BETWEEN XX/XX/XXXX - XX/XX/XXXX {$59.00} & XX/XX/XXXX {$230.00} ** TOTAL MY FRAUD REPORTED {$470.00}. USAA DUPLICATED MY REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
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:
Navy federal credit union closed my accounts and I ask me to provide information in which I did, I reported over a year ago about someone trying it open an account in my name navy federal credit union did not take me serious at all I was not transferred to the security department to report the issue navy federal credit union union failed on me and closed my accounts that I had for over 4 years and I have witnesses that can say that these accounts are mine, I provided the information to show who I was Im fixing of file with the security and exchange and report this credit union, I proved who I was and they demand me after they falsely accused me and didnt want to hear they were wrong and I prove them wrong, they didnt like it, these people are rude and unprofessional I am a United States XXXX XXXX , this credit union treats there veterans very badly, I had provided that information the only reason they didnt reopen these accounts there excuse was I over draft but I had the money at that time to pay the other checking account off, I already paid one account off, its going of be funny when I walk into branch and I prove Im XXXX XXXX and this credit union owes me for calling me a liar I will turn this over to an attorney and I will have this account taken off my credit report, they demanded me to pay for something they fail to do properly, they committed fraud against me I will send through the consumer financial protection bureau a copy of identification and data breach in which XXXX drop all my information on the dark web and a ftc identity theft report, this credit union has over step there judgment and this credit union treats people very badly I mean badly, I want contact by the thr credit union about this situation, I am XXXX XXXX. I will not pay for anything is when these accounts were closed by this credit union for false information, they did not want to see that I was and I am XXXX XXXX, Im not going to pay for this credit card when it was navy federal credit union that got there facts wrong this needs to be corrected that credit card was being paid for, I will have this account removed and will put a very bad statement against navy federal credit union about this situation on my credit report that they blame for there mistake, either correct the situation or Im seeking legal representation to resolve this matter I will be demanded on something navy federal credit union did on purpose thats how bad this credit union is now resolve this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
We had an odd occurrence where our account was negative due to a few factors and things with my wife having to take some unpaid time off from work and some recent changes in our life, and when I contacted Chase to inquire about reversing the almost {$600.00} in overdraft fees, they stated they were able to only reverse ( 3 ) individual fees and not the almost {$600.00}. I explained that I have placed a lot of money through their bank as well as have ( 3 ) credit cards with them and that this is absurd. They stated they could place a request in, but it was subject to approval. Every morning I wake I am seeing more and more fees add up into my account and I don't get my Veterans Administration monthly XXXX Payment until the XXXX. I am a 100 % XXXX XXXXXXXX veteran, and my wife works from home. We are on a fixed income and are working on figuring some things out while trying to organize our finances and Chase is capitalizing by charging us exorbitant fees. This is extremely unfair treatment ofcustomers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : PLEASE SEE SCREEN SHOT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Some how two months in a row I did not make the minimum payment by XXXX cents so of course my minimum payment went up the following month. When I paid the next month I paid more than the minimum due. My payment then jumped up {$5.00} to {$6.00} dollars more. I sent an e-mail asking why they would raise my payment. Their answer to me on XX/XX/2022 was " We reserve the right to change how we apply your payments ''. I have been paying on this card for years. I had a friend years ago tell me to pay off the card by writing on the check the amount of interest to be paid and put the rest towards the principle owed. Barclaycard refused to accept my payments under those terms. I feel it is not right that they can just change the rules to whatever suits them. Please tell me is this a legal practice? I feel I will never get this card paid off under their rules.

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