BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: Bull City Financial Solutions, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2023 I was alerted of an account with XXXX XXXX that had been unpaid and sent to collections. I never opened that account and determined it was identity theft. I filed a police report and FTC identity theft form and submitted it to XXXX XXXX and the collections agency. It was rightly deleted from my credit report and the debt was deemed not mine. 

In XX/XX/2023, XXXX resold that debt to another collections agency and it has reappeared on my credit report. I have received no communication from the new debt collector or XXXX regarding the debt. It is for a house I have never been to, and I never gave anyone else permission to open the account in my name. 

I have called XXXX to settle this multiple times in XXXX and XXXX but they are unhelpful and refuse to remove me from the account even though they know it was not me and was illegally opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX Ms XXXX USAA lies again to Federal Authority CFPB. NO RESPECT OF AUTHORITY. See attatched statement AGAIN presented to USAA previously XX/XX/XXXX. Beginng bal was XXXX. Credit paid by XXXX XXXX {$120.00} included in the other credits of {$340.00} see it at bottom of page XXXX XXXX Credit and XXXX credit NO USAA CREDITS LEAVING THE BALANCE OF {$470.00} ** AFTER ** AFTER ** AFTER {$120.00} is Removed. THE BALANCE LEFT ** AFTER THE XXXX XXXX CREDITED IS {$470.00} ** MEANS THE XXXX  XXXX  IS NOT PART OF THE {$470.00} BAL REPORTED FRAUD. USAA STOP LYING AND SLANDERING MY NAME. RESPECT AUTHORITY ENOUGH TO TELL THE TRUTH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-05-03
Company: Experian Information Solutions 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:
N accordance with fair credit reporting act XXXX XXXX XXXX service # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 its also states consumer reporting agency.

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 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a targeted email from Capital One in XX/XX/XXXX inviting me to apply for the Quicksilver credit card ( a card I previously had but was closed due to inactivity ). I applied on XX/XX/XXXX, and surprisingly, was immediately declined even though my credit score, based on Capital One 's XXXX tool, was XXXX or " Excellent. '' As I monitored for the adverse action notice, I continued to receive similar advertisements targeted to me about the special Quicksilver card offer. Upon reviewing the adverse action notice, I felt deceived as Capital One 's XXXX indicated I had excellent credit. I was planning to file a complaint at that time but time slipped away. 

Fast forward to XX/XX/XXXX. I received a similar advertisement via email indicating that my " loyalty hasn't gone unnoticed, '' inviting me to once again apply for the XXXX card. I applied again on XX/XX/XXXX, and was immediately declined. The adverse action notice I later received ( dated XX/XX/XXXX ) indicated my application wasn't approved based on the " number of bank cards tradelines opened in the last 24 months '' and that " there are too many revolving accounts. '' This is concerning as the advertisement was targeted to me even though Capital One 's XXXX tool already outlined the number of new accounts I had opened within the last 24 months as well as the available credit across all accounts. Furthermore, based on Capital One 's XXXX tool, my score actually declined since previously applying in XX/XX/XXXX ( to XXXX ). Although Capital One 's advertisement indicates within the " Frequently Asked Questions '' section that " your XXXX credit score will not factor into the decision to approve or deny your application, '' it is a misleading tool. It is like Capital One saying we are going to create this tool to help you manage your credit score, but we aren't going to stand behind it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Continuation of violating my fcra rights after several notices and submissions of supporting documents and notices. 
Equifax continues to share highly sensitive peersonal and financial information that I have opted out from being shared & poses significant risk to my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
JPMCB. CHASE CREDIT CARD STILL SHOWING OPEN - NEED ATTENTION I DISPUTED ACCOUNT CLOSED - INCLUDEF IN BANKRUPTCY IN XXXXXXXX XXXX SEVERAL TIMES NOW STILL THERE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had an account with 5th/3rd bank for a number of years ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX ) and recently have had issues with them holding deposits for an excessive time. First time that happened was a check from retirement over {$10000.00} which I understood a hold even though that caused a sever hardship. This time they are holding a {$3700.00} deposited to account number XXXX that was processed on XX/XX/XXXX. I placed a call to their consumer services number ( XXXX on XX/XX/23 ) and they have stated that the Federal Reserve has put a hold on my check and that there was nothing they could do about that. That I have learned is not true at all from the Federal Reserve. I currently work for a company in XXXX and actually worked for them before the pandemic and used this same institution but eventually was laid off due to XXXX XXXX. I am now back for working for the same company and I deposited my first XXXX ( live ) check thru a XXXX deposit without issue ( XX/XX/XXXX for {$3800.00} and XX/XX/XXXX for {$1800.00} ). This last check processed on XX/XX/XXXX is being held until XX/XX/XXXX and has put me in a hardship position for paying my bills on time. How can I count on the fact that as soon as my direct deposit starts ( probably next week ) will not have a hold placed on it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
You are reporting this account as 60 days late, However this account has been paid and it is closed therefore it should not be reporting as LATE. I have sent a couple rounds of dispute to your company but never saw any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: NJ
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:
Credit report is in limbo since XX/XX/XXXX, unable to capture correct status as of XX/XX/XXXX. Experian has not addressed the issue.

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 2023-10-18
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX  Balance ; {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} 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 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 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 2023-09-11
Company: Consumer Portfolio Services, Inc.
State: SC
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 received an alert/alerts on XX/XX/2023 that I had an hard inquiry from XXXX XXXX, consumer portfolio and other financial companies regarding a hard inquiry that I did not authorize. I need them removed immediately as I didnt authorize the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: WI
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.I have evidence to prove my case the days of last payments arent correct as of XXXX and equifax. The high credit is different as well as the last reported date and the date the account was open is inccurate!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: InstaMortgage Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Second request XXXX XXXXXXXX, XXXX  On XX/XX/2021 I had requested this company To stop. Apparently this company does not understand that I DO NOT and I will NOT want to do business with them, Today XXXX XX/XX/2021 once again Im m requesting for this unsolicited mail to stop. I had never ask for my name to be placed on this company marketing lists. 

This now become a harassment, I had asked this company not to contact me, not to used my personal information for unsolicited marking and misleading letters. 


Please inform this company that my name its currently at the three credits bureaus Op-out list the XXXX and any other list to included XXXX. Please stop I will never do any business with this company. I will inform the veterans around my area, and any agency about this harassment. 






XXXX XXXX Arcus Lending Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Ph ; XXXX XXXX XXXX, XXXX, XXXX email XXXX This company its using my name and personal information for marketing and solicitation without my consent. I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. Misleading label INMENDIATE RESPONSE TO THIS NOTICED RQUESTED for a senior citizens. 
This company needs to respect the fact that my name is at the XXXX XXXX Opp -out list and every credit bureau op-out list to included also the XXXX XXXX Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company associated with this company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this misleading junk unsolicited mail. 
I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. 

Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the XXXX I will contact the attorney general in CA if this harassment don't stop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: CA
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 XXXXXXXX, XXXX Dept of ED XXXX XXXX Dept of ED XXXX XXXX Dept of ED has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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, 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 The following accounts on my credit report are not accurate. 

CREDITOR NAME : XXXX XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX ACCOUNT NUMBER : 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 2023-10-25
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally file a complaint regarding an unverified credit collection entry with account number XXXX that has been posted on my credit report. The presence of this unverified entry is causing significant harm to my credit score and my overall financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2020-02-21
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive disputed the derogatory account on my credit. The dispute came back and says the information is accurate. That information is accurate. XXXX XXXX XXXX got their money. I am being harassed.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 9accordance to the fair reporting credit act these Creditors have violated my rights. Under 15usc-1581sectiom 602, states I have the right to privacy. Under 15usc a consumer reporting agency can not furnace an account without my written permission or instructions a credit or may not treat a account or plan as late for any purpose.

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