BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: Kriya Capital, LLC
State: CA
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:
A couple of months ago I recived a phone call asking me to pay an amount that I did't have so we came to an agreement that I would make ( 3 ) payments. One on the XXXX XXXX, XXXX XXXX and the last payment on XXXX of XXXX. On the XXXX of XXXX my credit XXXXXXXX XXXX lost XXXX points from a late payment that was not late from Credence out of XXXX, TX. I was told in the phone that if I made the ( 3 ) payment my credit would not be effective. Well that was lie, on XXXX XXXX the XXXX account also lost XXXX points. This company is horrible they lie this was an XXXX XXXX account I was being charged for XXXX for just TV service. To be lie to and have the my credit impacted I would have just waited and asked 60 % reduction in the cost and negotiated the removel of the bad credit.

Company response to consumer: In progress
Consumer complaint received 2022-10-05
Company: BARCLAYS BANK DELAWARE
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 am writing here in order to elaborate on a prior complaint, # XXXX, made directly to CFPB over the phone on XX/XX/2022 because the original issue is not resolved. Please refer to the initial complaint, as well as my letter to XXXX Dispute Department dated XX/XX/2022 for clarity. 

While carefully monitoring my credit activity with XXXX XXXX and through other means, I noticed a Hard Inquiry made on my XXXX records on XX/XX/2022 by Barclays which alarmed me because I did not recognize it as mine, nor did I have any prior affiliation with this Bank. I thus called XXXX and they referred me directly to Barclays, whom I called. 

When I spoke to Barclays, they transferred me to their Security Team who informed me the inquiry came from a Store Credit Card filed at Old Navy. I then recalled dashing into an Old Navy at a shopping center I was at for other purposes during a heat wave in order to buy a few light weight t-shirts. I have not regularly shopped at Old Navy in years and had no real use for their store card since I do now have major credit cards I typically use. 

I reached out again to Barclay 's Security Team and informed a supervisor there I had not authorized a hard inquiry upon checking out with a very pleasant cashier at XXXX XXXX, who must have assured me it was a " soft pull '' when I asked. A Hard inquiry, particularly at that point in time, I knew would not have been helpful to my goal of reestablishing a good credit score which I had been diligently working towards for a while since I had had no credit history for years. I thus emphasized to the supervisor that if I had authorized anything, it would have only been after I was assured it was a soft pull. The woman I spoke with then said they are not responsible for what the Cashiers at XXXX XXXX say. 

I then got back in touch with XXXX since the Hard Inquiry recorded at that point in time was NOT a reflection of my current credit worthiness, nor of my own experience using credit. They then referred me to the FTC regarding this ; when I called them I was prompted to the CFPB because my issue is a financial or credit card related matter. 

I am still requesting that this Hard Inquiry be deleted from XXXX 's record since I was given misinformation at the time it was made. I am also suggesting that cashiers checking out customers who offer a store card make it clear that they are filing an application backed by a major bank and also understand the distinction between a Hard Inquiry and a " soft pull '' when they are trained so this does not adversely effect other consumers going forward. 

Thank you for your attention to this matter. I hope my issue can finally be resolved.

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 2023-05-09
Company: EQUIFAX, INC.
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:
I've corrected this doubtful data multiple times by submitting letters to the 3credit bureaus. I will file a lawsuit against you because I think you failed to validate these enquiries, in violation of Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm bringing it up again. Please get rid of the following questions right away. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have four accounts with Capital One and the have a service that brings up your credit score or FICO score. It has been in the low 500 's and when I check on my XXXX and other accounts, it's higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Violation of the collection practices act for a debt collector to Refuse or unable to validate debt to send a validation notice or fail to respond to your verification letter. Request documentation that verifies you owe the debt, such as a copy of the original contract., Ignoring my request for debt validation a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized statements or list of the alleged charges they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022, I entered Comerica Bank, located in XXXX, Texas with all of the pertinent required credentials to open a business checking account. I presented to the banker my EIN Documentation, XXXX Documentation ( Filed in XXXX XXXX ), and my unexpired photo identification ( Texas ID ). I explained to the banker, my XXXX is in the name of XXXX  versus the EIN in the name of XXXX XXXX. It was at that time I explained to her I am in the process of incorporating and the name of the company will be registered as XXXXXXXX XXXX  XXXX XXXX. Assuming everything was okay, I signed documentation for the newly opened account. If there was a problem at that time the banker was in possession of my identification, to include company documentation, and was privy to my social security number, could have easily utilized my SSN rather than the EIN to establish the account. On XX/XX/2022, I received a phone call informing me the account was closed, with no adequate explanation given. I was told, my identity could not be verified, then I was told there was problem verifying my company, and still Comerica have yet to provide me with an adequate explanation as to why I was denied the opportunity to open a business account. I cant help but feel that my XXXX  may played a part in how I was treated, which brings into question, how people of XXXX are treated at Comerica Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with your company ( XXXX, XXXX ). This item is fraudulent and needs to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2018-03-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I notice 2 inquiries from Equifax that I don't recognize, it was a total of 5 when I contacted Equifax but, 2 are still on the credit file. I did contact Equifax in XXXX of 2017. Equifax does not even have the contact information from the alleged inquirer, see attached screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 Account # : XXXXXXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX  Bankruptcy 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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this. 

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal.

Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. 

I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies on my consumer report. 

You have furnished excluded transaction information on the following accounts : XXXXXXXX XXXX XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. 

I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. 

As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. You are now on notice and I am hoping you obey the FCRA so we can avoid any court situations. 

Thank you for your time.

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 2023-12-21
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The Navy Federal Credit Union ( NFCU ) mortgage department made an escrow adjustment and transferred the credit to my savings account. Then the mortgage department attempted to apply the adjustment as a payment and before they could, the NFCU Charge Off Department XXXX  my savings account out due to a past due closed debt. I was reassured multiple times by the mortgage department that escrow are protected funds and that they could not be touched.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-12-18
Company: CITIBANK, N.A.
State: NV
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:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: NY
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:
Many times I've mentioned being a victim of XXXX XXXX You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the consumer 's identity ; ( XXXX ) a copy of an XXXX XXXX  report ; ( XXXX ) the consumer 's identification of such information; and ( XXXX ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : XXXX} ; XXXX XXXX XXXX Balance : XXXX  ; XXXX XXXXXXXX Balance : XXXX XXXX XXXX XX/XX/2023.

Company response to consumer: In progress
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My name is XXXX XXXX, and I had my identity stolen in XXXX. I contacted all major credit unions and informed them, along with police reports. Today, XX/XX/XXXX, I looked at my credit reports, and upon my looking, there were an ungodly amount of hard inquiries on all three major credit unions. I would like for them to be removed. I tried contacting them myself one by one, but there was no solution. I believe that, due to their indilgence, I would like them all removed. Thank you. 


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 2024-01-04
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
TRUIST BANK denied XXXX XXXX XXXX XXXX XXXX  their credit and credit card on XX/XX/2023 unlawful. We email TRUIST BANK to Forward to XXXX XXXX XXXX, CFO of TRUIST BANK email sent. 
Requested Return receipt when XXXX XXXX XXXX receives email and Correspond through email. 
Never received a response from TRUIST BANK or 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 2023-11-26
Company: EQUIFAX, INC.
State: PA
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:
THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST IS RESULT OF MISREPRESENTATION.

Company response to consumer: Closed with non-monetary relief