BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX of Inquiry XXXX XXXX XXXX Date of InquirXXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of InquirXXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: MA
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 name is XXXX XXXX XXXX im writing you guys today because there is an inaccurate collection reporting on all 3 credit bureaus the company is XXXX account number XXXX XXXX and XXXX both have this account as an open account which is against the law XXXX also is listing this account with past due balance and 120 days which is also a volition I tried to dispute with bureaus they verified the information but clearly this information is not accurate all 3 bureau information does not match and I want this account deleted from my credit report I attached a file so you guys can see that the information does not match on all 3 bureau and that transaction and XXXX are breaking the law by reporting this collection account as open also XXXX and Experian have this listed as a collection account with no name or company it just says collection account I would like this account removed asap possible this account reporting inaccurately has caused me a lot of pain and stress

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Transunion After reviewing my credit report I have noticed that you are reporting false and inaccurate information on XXXX XXXX XXXX account numberxxxxxx XXXX XX/XX/2019 you are reporting 120 days late. How is that possible? When the account status is still showing open. Please remove this account from my credit file immediately and send me a updated credit report showing the deletion. This is a violation under the FCRA 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 non-monetary relief
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: MA
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 am writing to formally lodge a complaint with the Consumer Financial Protection Bureau concerning Equifax 's failure to address and rectify inaccuracies on my credit report. On XX/XX/XXXX, I initiated communication with Equifax to address the discrepancies outlined below. Regrettably, I have yet to receive any form of response or action from Equifax. The following provides a comprehensive account of the erroneous information and the corrective steps required : Account Details : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} I hereby assert that the account linked to the account number XXXX, established on XX/XX/XXXX, under the name XXXX, is not associated with me. Thus, I firmly request that Equifax expeditiously eliminates this inaccurate account entry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10
Company: DISCOVER BANK
State: CA
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:
Hello, I have recently submitted a complaint through the CFPB in regards to case XXXX. I am being held liable for a fraud on the basis that someone took my phone and used my e-mail to try and do multiple fraudulent transactions. The basis of their action is that the signature matched a previous fraud claim which I withdrew because I knew the perpetrator. The problem with that is that they will not show me the signature, and also because I don't know how they could possibly find that given that I've shopped at the XXXX XXXX and they are one of the few shops that make you sign with your finger and not with a pen or kiosk. I have read multiple things online and I have heard that Discover is infamous for siding with the merchants. Having them answer my complaint with a canned response telling me that I'm screwed even though I have proof of where I was when the transaction took place, as well as the fact that I have proof that my phone was stolen and my computer was compromised is quite ridiculous. I will not pay a single dime towards something that I did not purchase. Please advise me of my options as I will be hiring a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Please remove all the unauthorized inquires immediately. Here are the dates and inquiries : XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX, personal 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 2023-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been using capital one for more than 15 years. They currently froze my account. They said I needed to send them a copy of my drivers license, Social Security card, and proof of residency. So many scams out there I'm not real comfortable sending a picture of my Social Security card. Do I have to do that? Can they asked me to do that?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I took out an auto loan with US AUTO Sales on XX/XX/XXXX for a XXXX XXXX XXXX. While I was late on some payments a few times, I was never notified that my account would be closed. 
My last payment was XX/XX/XXXX. 
My account was closed and sold to a company called XXXX XXXX XXXX on XX/XX/XXXX. 

When I saw the change to my credit and that the account was closed, I tried to go to US Auto sales location in my city of XXXX, GA and was surprised to find that it was closed. All of them are now closed. It would appear that the company itself has/is dissolving and sold all of their loans to debt collectors. 

My problem here lies in the change to my credit. My XXXX XXXX dropped almost XXXX points because it shows I paid off my account, when clearly I did not. Meanwhile, I still have to pay to the debt collector ( Westlake Portfolio Management ), and those payments/account are nowhere to be seen on my credit. 

At the end of the day as a consumer, I was using the car loan to build my credit as well. My goal with this complaint is to hopefully repair my credit before I have to find a new apartment this year! 

To whoever is reading this, thank you.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Just want to make sure background is showing clean and clear

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 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 non-monetary relief
Consumer complaint received 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
since XX/XX/2017, I have sent over 25 letters to the three credit agencies, XXXX, .XXXX and transunion . Those letters were comprised of ; change of personal information ; hard inquiries ; collections of fraud ; accounts that are fradulant etc.. Each letter was timely, giving 30 days response time with notices of possible small claims action, yet they refuse to correct /remove the mentioned complaint.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX and 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, 15 U.S.C 1681q Obtaining information under false pretenses shall be fined under title 18 and imprisoned for not more then 2 years, or both. Failure to remove these accounts within the next 4 days upon receiving these receipt.

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 2022-08-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date XXXX Balance : {$6500.00}

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 2023-12-12
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:
I am writing to bring to your attention an issue I have encountered with my credit report. I noticed an unexpected drop of XXXX points in my credit score, which I couldn't attribute to any financial action on my part.

In an attempt to rectify this situation, I reached out to your customer service team. However, they informed me that they were unable to locate my information in your company profile. This was surprising and concerning, as I have been actively monitoring my credit through your services.

Despite my efforts to resolve this issue, it remains unaddressed. The unexplained drop in my credit score is causing me significant distress and potential financial harm. I am concerned about the accuracy of my credit report and the potential impact this could have on my future financial endeavors.

I kindly request your immediate attention to this matter. I am hopeful that upon receiving this information, you will be able to identify the cause of the score drop and rectify any inaccuracies in my credit report. 

I look forward to your prompt response and resolution of this issue. 

Best Regards,

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After reviewing my Consumer Report, I saw that I had a late payment on my report for an account that I had never been late with before. Consumer Reporting agencies are required based on FCRA 15 U.S. Code 1681B to furnish information on a consumer report to their best ability of Maximum Accuracy. The information on my credit report for XXXX XXXX XXXX account XXXX was reported inaccurately and has not furnished any information that my student loan payment was ever late which it had never been late. If the Consumer Reporting Agency can not furnish or prove this information to be accurate it needs to be updated to current for all months and any late information needs 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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2023-06-09
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$3900.00}

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 explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX and I have had a credit card for 4 years. XXXX  and Experian do not provide me with my credit report or credit score. I called both XXXX  and Experian several times and they refuse to help me. I even mailed in dispute to each of the companies. 

My credit card company sends my credit history to these credit bureau every month, on the XXXX of the month. Yet I never receive my report or a score. 

When I ran a credit check, I got the following errors. 

1 ) XXXX  error : " Record not found '' 2 ) Experian error : " Invalid Spouse name '' and " The bureau data supplied doe not match borrower 's information '' XXXX  said that my first name is too short and so I need to hire a credit repair service. 

Experian said I do not have a credit file. 

If I have no credit history, my report should have said " Insufficient data '' instead. It's like my social security number is not registered with XXXX and Experian ; and they are not even trying to investigate the issues. 

Why are these bureaus being to reluctant to help a consumer?

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 2023-09-21
Company: Experian Information Solutions Inc.
State: MI
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.

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 explanation
Consumer complaint received 2020-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a capital one spark business credit card, what i mistakenly over paid on XX/XX/2020 with the more then 30k using a bill pay service, so i have there a credit balance over 30k. 
and they are refusing to refund it to me, first they requested all type documentation, what i did supply them, but they are still refusing to refund me. i was forced to close my account in order it should be released, they promise me that will got the check by the end of last week, but noting arrived. 
As of now XX/XX/XXXX capital one keeps my money over 3 months, and i still didn't know when/if they will give me back MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had an online banking issue and could not log into my accounts and decided to contact Citibank my bank to help me unlock my online banking. When I called the services number at the back of my card, they verified me and transferred me to their tech department to help me fix the issue. They sent me a message from Citibank and asked me to say it back to them and I did. When I suspected fraud, I called Citibank to block the accounts and they only block my checking. Just to realize that a wire transferred was initiated from my saving account in the amount {$48000.00}, when I visited the bank that same day. I contacted the Citibank and filed a dispute, and they only gave me back {$95.00}.

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 explanation