BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Capital One is engaged in fraud. Charging me {$7600.00} for fictitious transactions that are not recorded on my checking account as cash transfer or anything else. Will not investigate the fraud or even open a fraud file with confirmation number to reference. This was my WALMART CARD that I had to cancel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 AcXXXX XXXX XXXX Acct # XXXX has violated my rights.

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

15 USC 1681 section 604A section 2 : it also states a consumer can reporting agency can not furnish an account without my written instructions This account is also reporting inaccurately on a number of data points.

The account is reported as open which is illegal and inaccurate.as it is not an active account and is a collection.

The account is also reporting as a charge-off but is allegedly a collection which is illegal and inaccurate. 

The account is also reporting ok payment history on XX/XX/XXXX then shows as a charge off as of XX/XX/XXXX which is illegal and inaccurate. 

I have also attached a letter. Transunion has deleted this from my credit report due to the multiple inaccuracies and illegal reporting and I expect XXXX and Transunion to follow the law 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 non-monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX You are in Direct violation of the fair edit reporting act ( ) has violated several of my rights.

15 u.s.c 1681 A. section 602 clearly states that 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 an account with out my written instruction.

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.

remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2023-02-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon receiving a copy of my credit report from TransUnion, I discovered multiple hard inquiries that I did not authorize or initiate. These inquiries were made by various entities, and to the best of my knowledge, I have had no prior dealings or interactions with these organizations. The presence of these unauthorized inquiries raises serious concerns about the potential misuse of my personal credit information. 

As per 15 U.S.C 1681b, a permissible purpose is required for an entity to access an individual 's credit information. Specifically, section 1681b ( a ) states that a consumer reporting agency may furnish a consumer report only to those with a valid need as outlined in the statute. The law restricts the permissible purposes to situations such as credit applications, account reviews, employment screenings, insurance underwriting, and legitimate business transactions. 

Needless to say none of these hard inquiries on my report had permissible purpose. 

Under 15 USC 1681s-2, TransUnion, as a data furnisher, is obligated to provide accurate information to consumer reporting agencies. The statute requires that consumer reporting agencies take reasonable steps to ensure the accuracy and integrity of the information they furnish to credit reports. In this case, it is evident that TransUnion has failed in its duty to provide accurate and up-to-date information, as evidenced by the discrepancies in 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 explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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 : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, US Dept ED ( no account # listed ) 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. 

I have enclosed the inconsistency for the XXXX XXXX  account.. 
Im also request a copy of the actual contract with my signature on the for all account.. please delete .. if proof of signature cant be provided Please delete XXXX Account .. the balance still wrong at its XXXX $ it was XXXX $ and its been paid.. delete asap

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 2023-06-08
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: Information belongs to someone else

Complaint:
I noticed an account on my report I dont recognize from XXXX XXXX XXXX XXXX {$42000.00} And a few inquiries

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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report. Please remove all of these fraudulent unauthorized inquiries on my report. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help, this is hurting my credit and reporting false information to future creditors. XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023

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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach, XXXX Breach, and the XXXX market, I need these to be removed.

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 2023-05-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recently I received the findings of a false reporting in my credit report. The credit Bureau Experian was asked to name there source and supply proof of the debt. This was not supplied the private source was never mentioned in the company response. The company also stated that the courts are contacted and this is not truthfull I contacted the courts and due to law they are not able to discuss any debt legitimate or not to any one outside of a consumer. Please remove this false bankruptcy off of my credit profile as the vendor was not supplied as asked and is reporting unverified information as confirmed with the nc XXXX system. The courts provided a document stating that they are not at liberty to report to any credit agency private or public as they are not creditor. This debit is not valid and must be removed immediately.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$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 2023-07-30
Company: Chime Financial Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have notified chime and also been notified by emails as well of my SSN, dob and personal information has been use on two bank accounts that's is FDIC insured with the government. The name of the bank I'm with is XXXX. I'm not sure how my information was use on two different banks but my account is under my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now this other account I don't have the phone number right away but it is on the XXXX XXXX works account or check free score which shows many records of multiple things of my information being use. I filed a federal trade commission and consumer financial report as well. I am a gold metal olympican of XXXX '. 
I filed a complaint with XXXX XXXX and XXXX XXXX for himself of being the first as right now. I have not heard anything back. 
I did filed a mandamus petition in XXXX XXXX XXXX XXXX for a criminal case XX/XX/XXXX which was filed on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX I'm not sure why my first offender isn't there anymore but I do know XXXX open XX/XX/XXXX. The same month XXXX  open and I taken my conviction in XXXX XXXX XXXX.im not sure if it has anything to do with that XXXX XXXX investigation but I don't think it's fair for me as a young XXXX entrepreneur from XXXX XXXX trying to do what's right. I'm a Olympican gold metals of XXXX ' in XXXX for basketball and I want something to be done about this Lawyer XXXX XXXX XXXX XXXX XXXX I been having a hard time opening cd accounts brokerage trade account and etcs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan is Moelsha and I am sending them payment for my loan they are telling me two different story one someone will tell that my request for my refund is being processed and I will receive a refund for my payment that made on my loan during Convid 19 pandemic. And call them the day someone tell me that I want receive anything back cause they claim that i didn't make any payments on my loans. And I know that I make payments I have the confirmation from my bank and also from Moelsha saying my has been successful paid and .I noticed that reason why they are saying that my request for refund is not cause i am a young XXXX and they feel like I don't deserve my money back {$180000.00} .is alot of that is owed to me and they are coming anything to not release. When the XXXX XXXX XXXX send me information saying my loan are paid off and I don't need to do no more actions.And Moelsha is telling me that they is not getting none of these information from the Department of education and they act like I don't know wat I am talking about. And they feel like they are just going to tell me anything and I will go away. But I know that Moelsha owe me money and I am not going to allow them to keep my money. How did XXXX Set icing send me my refund but Moelsha don't see all the payment I made I have bank showing the money was took out my account and send to My current loan service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: GA
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:
Please remove the following items from my credit file : Incorrect Personal Information : Name : XXXX ( XXXX ) Address : XXXX XXXX XXXX  ( XXXX & Experian ) Address : XXXX XXXX XXXX  ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX Please remove the inaccurrate late Reportings on the following accounts : XXXX XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$8.00} ; I was never late. 
XXXX XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$15.00} ; I was never late. 
XXXX/XXXX - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 
XXXX/XXXX - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 

Please remove unauthorized inquiries : XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have notified chime and also been notified by emails as well of my SSN, dob and personal information has been use on XXXX bank accounts that's is FDIC insured with the government. The name of the bank I'm with is XXXX. I'm not sure how my information was use on XXXX different banks but my account is under my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now this other account I don't have the phone number right away but it is on the Experian XXXX works account or check free score which shows many records of multiple things of my information being use. I filed a federal trade commission and consumer financial report as well. I am a gold metal olympican of XXXX '. 
I filed a complaint with XXXX XXXX and XXXX XXXX for himself of being the first as right now. I have not heard anything back. 
I did filed a mandamus petition in XXXX XXXX ga courts for a criminal case XX/XX/XXXX which was filed on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX I'm not sure why my first offender isn't there anymore but I do know chime open XX/XX/XXXX. The same month chime open and I taken my conviction in XXXX XXXX XXXX not sure if it has anything to do with that XXXX XXXX investigation but I don't think it's fair for me as a young XXXX entrepreneur from XXXX MI trying to do what's right. I'm a Olympican gold metals of XXXX ' in XXXX for basketball and I want something to be done about this Lawyer XXXX XXXX XXXX XXXX Ga I been having a hard time opening cd accounts brokerage trade account and etcs

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 2023-09-01
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX purchased " debt '' without my permission from Regional Finance TX. I did not give permission for the company to do so. I have requested they they cease communication, alongside Regional Finance ( which was very abusive and harassing ). They continue to call and email me. 

I did not give permission for XXXX XXXX to purchase any " debt '' or represent me. I am the consumer and original creditor and do not owe. They have also been trying to pursue this for more than 180 days, and should cease trying to do so. 

In violation of USC 15 1602. I could list more if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX sabotaged my credit profile by reporting inaccurate information. Account is not 30 days late. This is the third time in 3 years that this company has placed derogatory remarks on my credit profile causing my score to suffer tremendously.XXXX credit reporting practices are unethical and they target consumers unfairly. I have not been 30 days late in over 3 years. I recently made a payment less than 30 days late & it was reported to all 3 credit bureaus deceptively. A payment made a few days after the due date is reflected on my credit profile as being 30 days late. This has happened 3 times since 2019. I demand this information be removed from my credit profile immediately.

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 2022-10-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen, my cousin XXXX XXXX XXXX XXXX XX/XX/1973, brought a XXXX XXXX using my name, D.O.B and Social Security XXXX, and a Navy Federal Credit was open in my name. ( 1 ) .XXXX XXXX Account XXXX. 
( 2 ). NAVY FEDERAL CR UNION Account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation