BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: MI
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:
my XXXX attempt was on XXXX and the XXXX attempt was on XXXX and the credit bureaus did nothing but say my information was verified. There are accounts reporting inaccurate across all XXXX credit bureaus on my consumer report. Several laws have been broken under the the FCRA, so with the proof I have provided by law these accounts need to be deleted immediately or I will be filing a law suit. This has caused me financial injury and defamation of character.

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: 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: Account information incorrect

Complaint:
i need clarification as to why you are reporting certan information on my credit report pleace review the following : XXXX XXXX # XXXX. XXXX XXXX # XXXX XXXX XXXX # XXXX. A collection is buy default ( PAS DUE ) Delete account for inacurate reporting. after you finished my request sen me a copy off my credit report reflecting these changes XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: GOLDMAN SACHS BANK USA
State: FL
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
XXXXXXXX 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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
ive been with capital one since XXXX during the month of XX/XX/XXXX my brother XXXX XXXX which caused the payment to be late that month. After and before that tragic month I have always been on time with both accounts that are in the attachment below. Ive been with you all for more then years i hope your company can do the right thing. for the auto loan it happened XX/XX/XXXX after that no issues with it being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XX/XX/11 I have placed 10 calls to Equifax to resolve an issue I am having obtaining my credit report. My credit is not updating and can not be access myself or lenders for review. Each call they claim they have removed a block and I should be able to access it but each time it has failed to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 numerous credit inquiries on my credit report that do not belong to me. I have filed a police report and filed an identity theft affidavit about this matter. Please help me.

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 2023-01-10
Company: Experian Information Solutions 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:
On XX/XX/2022 I, the consumer and natural person, was denied credit by XXXX  XXXX XXXX when I applied for a auto loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX  XXXX XXXX due to the response I received. XXXX  XXXX XXXX is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of 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 2021-05-09
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi since the ending of last year Ive been trying to pay off my debt to get me and my kids a home my comenity capital childrens place account was paid in full since the beginning of this year but has yet to be taken off my report Ive disputed this account numerous times and it says its been updated but it hasnt the company was sold since my account was opened the original company says once they sale it its not their problem and the company that has it now says theyve sent a letter to delete this but the original owners would need to help me with this at this point the bill is paid and Id just like it removed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I made my payment every month, they claim payment was late on multiple occasions. First I had a extension due to COVID then the Texas freeze. Therefore, late payments should not have been reported as agreed. TD AUTO FINANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: TN
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 submitted a letter to the 3 Credit Bureaus on XXXX XXXX XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$5.00}, XXXX  XXXX XXXX Balance : {$15000.00}, XXXX XXXX Balance : {$19000.00}, XXXX  XXXX Balance XXXX {$21000.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Specialized Loan Servicing and XXXX XXXX  fraudulently on several levels attempted to collect a fictious debt. They were informed the debt if it existed was statutorily barred from collection, I was disabled and unable to if the debt existed. They wrote off this debt ( TAX FRAUD INVESTOR FRAUD ) even though they were informed in writing three times a 1099C would fraud and harassment, they sent me a 1099C for {$410000.00} on a non-existing debt. Additionally due to lies and actions by the ( XXXXXXXX XXXX XXXXXXXX XXXX ) and XXXX XXXX XXXXXXXX my home was lost as well as prior mortgage payments. 

The 1099C places a XXXX XXXX XXXX XXXX without assets at the mercy of the IRS for taxes, penalties, fees, interest on {$410000.00}! 

The attached documents prove these egregious actions most of which is supported in the Superior Court transcript attached. SHOULD THIS GO INFRONT OF A FACT FINDER the witnesses will ALL BE LAWYERS! other than myself. XXXX XXXX, XXXX and XXXX XXXX  XXXX have confirmed their actions in writing. 

I will share what I have with law enforcement and vetted Lawyers

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 2023-05-16
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Currently hold a Home Depot credit card. They often offer promotional " financing '' opportunities to extend no credit purchases of certain monetary amounts for various lengths of time ranging from 6-24 months, at no interest, with minimum payments. I took advantage of such offers while building our retirement home. Citibank is the financier behind the card. When making a payment to clear my revolving monthly balance ( as to not incur their 17.99 % interest charge ) the company redirected those funds to an allocation of their choice- to pay off an upcoming, not yet due promotional balance. This left a balance in the revolving line item which if not paid off the following month would begin to accrue interest. This was not my intent so I called the company to allocate my payment as I originally intended only to be told that was not possible. It seems their system intentionally allocates payments to attempt to confuse consumers and " trap '' unknowing or less educated consumers into paying outrageously high interest. They engage in several tactics to misguide consumers so they find themselves paying the inflated interest rates. These include adding this allocation practice to the small print of their terms and agreements, not allowing consumers to direct their payment to the amounts they want, requesting minimum payments which would lead to interest, not clearly stating what payment is needed as to not incur interest, placing that amount in smaller print below the main statement details, and telling a consumer they are unable to allocate their money where they chose. These are predatory lending practices designed to confuse consumers, take advantage advantage of Americans less educated in financial matters and force them to pay extremely elevated interest rates. It is a horrible practice designed to prey on the most vulnerable of our population.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My checking account with US Bank was closed on XX/XX/2023. They issued me a cashier 's check which was stolen and upon investigation it looked like the perosn who stole the check was able to deposit the check into their account. I have been in contact with the bank since XXXX and i have not yet received a replacement check. My concern is that im not getting any update from the bank. Every time i call the customer service they are not able to tell me what is the status of my claim and advise me to go to a branch and when i do go to a branch they are also not able to assist me or even tell me what is going on. I have been very patience trying to get this resolved but im starting to get very frustrated because its been 7 months trying to get my money back from US Bank.They already know the name of the person who stole and deposited the check into their account and i don't know who that person is so why is it taking them this long to issue me a replacement check and go after the person who stole the check. Please help.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-28
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: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent inquires are reporting on my credit report from XXXX, Transunion, XXXX, and from the companies listed below. The fraudulent inquires are damaging my personal credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-10-16
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My Amex gift card doesn't work anywhere online. I have tried XXXX, XXXX, XXXX, XXXX, and I've also trying transferring it to cash. I am having no luck. I have called customer service several times and always get the same answer, " keep trying your card. It is active and has a balance of {$360.00}. '' It will not work. I am so frustrated with them and with this stupid card. What can I do? Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602A. 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 1681 c ( a ) ( 5 ) section states ; no consumer agency may make any consumer reporting containing Any of the following items information any other adverse items of information, other than record of convictions of a crime which antedates the report by more then sevens years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to Any other consumer reporting agency if the person knows or 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
contacted XXXX XXXX XXXX XXXX to report that my apartment had been robbed in XXXX XXXX XXXXnd Id filed a police report. I also explained that I had additional hardships due to the COVID pandemic and a recent car accident, and that prior to the robbery which occurred in XXXX XXXX, I had made timely payments and my account had been in good standing for over 2 years. I was told by a XXXX XXXX customer service representative that I qualified for emergency assistance and interest accrual could be paused/ no payments would be due for 6 months. Assuming theyd keep their word, I used the money I was planning on using to pay off my XXXX XXXX  to pay off all my other debts and relace my cell phone/ laptop which had been stolen during the robbery. My decision to use my savings to pay off debts and replace my stolen belongings was 100 % a result of my assumption that XXXX would honor their promise and that I had 6 months to save up more and pay off my XXXX XXXX card. However, a few months later when I went to check my account, I noticed that XXXX XXXX had closed my card due to non-payment. After calling XXXX XXXX, I was informed by customer service staff that there was no record of my call on XXXX there was not thing they could do to reverse my late fees and delinquent report on the account even though I had made previous arrangements with their customer service staff. I requested to speak with a XXXX and who told me theyd be able to assist, and after 2+ hours on hold, they hung up on me and never called me back! After that, I was no longer able to access my XXXX account online to make online payments, and calling to make payments sometimes took HOURS. As a result, I got even further behind and my interest kept accruing and now, XXXX years later I owe more than I did back in XXXX. Prior to XX/XX/XXXX, I had an impeccable credit history and record of timely payments, but after XXXX closed my card, my credit score dropped significantly and I havent been able to get out of hole they put me in.

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 2022-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I checked my XXXX credit report today and found an unauthorized inquiry from Capital One appears on my credit report. 

The date of said inquiry is XX/XX/2020. 

I did not apply for a credit card with Cap One so there should be no inquiry appearing on my credit report.

Company response to consumer: Closed with non-monetary relief