BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize any of these companies listed below to pull my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX 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 # 1234, 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. 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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

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 XXXX XXXX Last reported XX/XX/XXXXhas 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 ofcrimes 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 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 2021-08-03
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I literally choose a different auto insurance so I paid my money to them how do I owe when I was no longer insured with them called and explained and they never fixed I sent declaration page from current policy I am insured with XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX we traded this car in from XXXX XXXX XXXX finance when they took the vehicle and was supposed to pay off the balance, they never sent the check to the new companies then reported me 30 days pass due in XXXX of 2023 which is incorrect

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: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern, I have pull my credit report and see this company XXXX XXXX account # XXXX still reporting some inaccurate information on my report. I have dispute this account before and still have not getting any response from the company. 
I need to know the steps taking to investigate this account and how it MEETS FCRA REQUIREMENT. 

There are several error on this account across the bureaus. Date last active is incorrect, Date open is incorrect across the bureaus and so many other errors on this account. 

Please DELETE THIS ACCOUNT IMMEDIATELY IF YOU CAN NOT PROVIDE THE STEPS THAT YOU TAKE TO VERIFY THIS ACCOUNTS. 

Because of these errors on my report I am getting denied for credit and make my life harder than it already is with this economy that we are in right now.

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 2022-06-27
Company: Avant Holding Company, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im currently working under freedom debt relief to settle accounts I occurred while out of work with a injury. Ive settle all accounts completely and Im currently on the last one. Freedom debt relief came to agreement with the company to pay ( {$15000.00} ) and Ive been paying ( {$430.00} ) for 10 months now and when I check my credit reports its still showing the amount going up ( {$33000.00} ). original amount was {$20000.00} and agreed to {$15000.00} and its over {$33000.00} now on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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 XXXX  Account XXXX  # XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX # # # # # # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2022 someone tried to obtain credit with XXXX XXXX  Delaware, XXXX alert me. I reach out to XXXX XXXX  Delaware to let them know it wasn't me and represent told me that it will be removed that was XX/XX/2022 inquiry still remain on my credit report. Also the XXXX XXXX is my maiden name, I always apply for credit with my married last name XXXX XXXX, which is my legal last name on my driver license and social security card. Please remove incorrect inquiry that was put on my experian credit report credit that I didn't apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone " located '' in Texas, opened up several utility accounts in my name, i.e. XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX ( that I know of at this time ). Since I was unaware of these accounts, they ended up in collection. I was a victim of identity theft and these and any further accounts need to be removed from my credit files.

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 2021-10-30
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
On XXXX, I was approved for a line of credit for TARGET CREDIT CARD. TARGET CREDIT CARD failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. TARGET CREDIT CARD is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but TARGET CREDIT CARD defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. TARGET CREDIT CARD is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from TARGET CREDIT CARD contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to TARGET CREDIT CARD with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed Late pays on my credit report due to the cares Act. I had perfect payment history with these creditors, I provided documentation as well as a dispute letters these late pays have remained on my credit report for years after disputing them over and over I requested documentation from the credit bureau such as a account ledger from the creditor, Signed contract by me and creditor as well as a bank statement showing I made payments according to the Revised contract and payment agreement. None of which were provided but late pays remained on my credit report with no response from the credit bureau. Late pays Consists of Rocket Morgage XXXXXXXX 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified accounts indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00}.

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 2023-09-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank indiscriminately lowers credit limits based on small decreases in credit score due to increased usage of credit accounts, although there have been no over limits, no late payments, etc., without knowledge of reasons for higher credit usage on behalf of the customer, i.e, home repairs, large purchases, etc.. I believe this to be unfair business practice. This has happened to several of my accounts.

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 2023-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit 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:
On XXXXXXXX  I was charged {$3500.00} by XXXX XXXX XXXX XXXX CA. Services were never rendered and I requested a full refund. 

On XX/XX/ I was charged {$2500.00} by XXXX XXXX XXXX XXXX CA. Services were never rendered and I requested a full refund.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I am writing to formally file a complaint against TransUnion regarding their handling of my recent credit report dispute. On XX/XX/, I submitted a dispute letter concerning two specific items : a XXXX  XXXX Bankruptcy with Reference # XXXX and a paid charge-off account under the name XXXX XXXX, with the account number XXXX. My concern arises from the responses I received from TransUnion, dated XX/XX/, and XX/XX/XXXX XXXX  both of which accused me of using an unauthorized third-party and subsequently declined to investigate my disputes. Astonishingly, this pattern of response is consistent with a prior dispute I submitted on XX/XX/. What deeply troubles me is that, despite my multiple attempts spanning over six months to resolve these credit report inaccuracies, TransUnion has consistently delayed or refused to investigate, despite the disputes being submitted directly by me and my diligent provision of identification documents, including copies of my ID, proof of address, and social security card for proper verification. Given this persistent lack of response and action, I am left with no recourse but to demand the permanent removal of these two items from my credit report. Furthermore, I wish to provide additional context regarding the XXXX XXXX Bankruptcy with Reference # XXXX. This entry is notably incomplete, lacking essential information in the Asset Amount, Liability, Exempt Amount, and Remarks fields, rendering it unreliable and misleading. Additionally, I've taken the initiative to contact XXXX, the vendor employed by TransUnion to obtain public record information, only to discover that they are unable to authenticate my identity or locate a record for me. This raises serious questions about how TransUnion can continue to report this bankruptcy on my credit profile. Furthermore, my repeated attempts to contact XXXX XXXX since XX/XX/XXXX  have yielded no response, rendering the information regarding this account unverifiable.

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 2022-07-28
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to block the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
Please remove the following items listed below : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXL XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/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: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello. I am having an issue with Comenity bank. I have my XXXX XXXX through them and have been trying to pay the bill since Friday XX/XX/17. Their website will not allow me to login and their phone system is not working. The automated system is not working and when you request to talk with a person, it says that due to unforeseen circumstances, they are unable to take your call. My bill is due XXXX and I am concerned that this issue will not be resolved by then and I will not only receive a late fee, but that it will effect my credit score. Like I said, I have tried logging in, calling, sending them a XXXX message, and replying to them on XXXX and I have yet to get a response at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
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:
According to the fair credit reporting act FAIR COLLECTIONS & OUT XXXX 15 U.S.C. 1681Section 602 A states I have a 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 2022-11-29
Company: Glacier Bancorp 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: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXXXXXX Glacier bank - XX/XX/XXXX XXXX via XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Block, Inc.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
We were on vacation in XXXX and someone got my cash app card info. My card was ran 17 times for over XXXX dollars in less than 2 minutes at a XXXX in XXXX New York. They stole {$7900.00} out of my cash app account. Cash App denied the claim and customer service refuses to help me when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Source Receivables Management LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ownership of my account was transferred XX/XX/XXXX. Per our agreement with XXXX and according to their Change of Ownership Contract all balances must be paid prior to transferring ownership of an account. 

I was wrongfully charged from XX/XX/XXXX- to XX/XX/XXXX for an account that was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, 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:
I reached out to all 3 credit bureaus ( XXXX, Equifax, and XXXX ) telling the, that they were in violations of my rights and that the late payments must be removed asap. But no response nor removal of late payments have been removed. I reached out to all 3 companies on XX/XX/XXXX, XXXX In accordance with the fair Credit Reporting act XXXX  Account # XXXX ( Dated XX/XX/2022 and XX/XX/2022 ), 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 1666B : A Creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation