BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account with Capital One was opened in my name that I did not open. I was able to get it closed bit they had all of my valid info such as SSN, DOB, address, etc. I also found some disturbing info in their disclosures. It states : " However, were not required to confirm any instruction that looks like it was made by you, and we wont be liable if we dont contact you. Were also not required to confirm the actual identity or authority of anyone who uses your Password or a personal identification number ( " PIN '' ) or any account access device we gave you ( like the Card ) ( collectively, " E-Identification '' ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I notified Transunion ( XX/XX/2018 ), XXXX ( XX/XX/2018 ), and XXXX ( XX/XX/2018 ) of inquiries that I did not authorize. I requested verification of these inquiries. Each Reporting Agency responded by giving me the definition of inquires as if I was asking for information pertaining to it. I am seeking for proof of my authorization for these companies to report these inquiries. This is effecting 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 explanation
Consumer complaint received 2023-02-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Me and my husband applied for a credit card we were sent a pres-screening. We both applied my husband doesnt work I work he was approved for {$25000.00} with no income and a credit score of XXXX charge-offs etc. I another hand was approved for {$15000.00}. I have a credit score of XXXX better and I work I have all the income. I see that this is a discrimination of some kind either gender or race. I want to know who to talk to you I have sent letters nobody has respond. All I asked was that I have the same respect as my husband as a white male and as a female can I please get somebody to help me with this situation its been going on for years Ive sent a letter nobody replied back, and I do have a copy of the letter that I sent a year or two ago. Also, I have a plied for a credit increase. Several times I was denied Ive always paid my bill on time. I have once have even paid off the credit card and I was still denied for a credit line increase even in the last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
I did complain to US Bank via XXXX file # XXXX I did complain on why US Bank failed to disclose that they are charging to remove escrow and as of today all they have responded is copy of the recorded note with deed of trust. The person at US Bank didn't even want to mention his last name and contact number on cover letter. He only signed his name is XXXX XXXX- I have tried number of times contacting them and all they are telling me is that if I pay 0.025 % point on balance of my loan they will remove escrow. All I want to see is a signed disclosure by me agreeing to this.

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 2022-03-27
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: Problem with personal statement of dispute

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose This issue was not only NOT resolved but there was no evidence of a thorough investigation as well as credible references. This company is extremely untrustworthy. They have over XXXX disputes against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried in writing and over the phone to get unauthorized inquiries removed from my Transunion credit report. These inquires are damaging my credit and the credit bureau states they are not allowed to remove THEM which further damaged my credit report. I disputed this information with both creditor showing on my report and transunion credit bureau and the creditors are confirming they do n't report any information to the credit bureaus. The FRCA states that the only permissible purpose for pulling someone 's credit is for firm offer of credit, employment, insurance and court order. None of the following are related to none of the aforementioned permissible so Im requesting the following be removed. 1. XXXX  XXXX/XXXX/XXXX, 2.XXXX XXXX XXXX XXXX/XXXX/XXXX, 3.XXXX XXXX XXXX/XXXX/XXXX, 4. XXXX XXXX/XXXX/XXXX, 5.XXXX XXXX  XXXX/XXXX/XXXX, 6.XXXX XXXX XXXX/XXXX/XXXX, 7.XXXX XXXX/XXXX/XXXX, 8.XXXX XXXX/XXXX/XXXX, 9.XXXX XXXX/XXXX/XXXX, 10.XXXX XXXX/XXXX/XXXX, 11. XXXX XXXX/XXXX/XXXX, 12.XXXX XXXX/XXXX/XXXX, 13.XXXX XXXX/XXXX/XXXX, 14.XXXX XXXX/XXXX/XXXX, 15.XXXX XXXX XXXX/XXXX/XXXX, 16.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 explanation
Consumer complaint received 2023-04-24
Company: R & B Corporation of Virginia
State: VA
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:
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 an account without my written instructions. 
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. 

I do not have a contract with ) XXXX XXXX XXXX ) Account # XXXX Nor do I owe any debt to ( CREDIT CONTROL CORPORATION ) Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I requested forbearance on my loan for XXXX month 's back when Covid started in XX/XX/XXXX, as the month 's passed i was told my payments would be added to the end of the mortgage, which never happened. XX/XX/XXXX i was told i would be approved for a mortgage modificatio. I called every month with the story being that due to covid it was taking awhile. Finally XX/XX/XXXX they sent the documents to be signed for approval of loan modification and that my first payment would be due on XX/XX/XXXX. I have made every payment since and have called every month since and my account reflects that i am passed due. I've called twice every month with the story being they are still working on it. I have requested manages and supervisors and only XXXX ever did i a supervisor call to tell me they are working on it. Now we are in XX/XX/XXXX and my account has been brought back to be reviewed because noone has an answer as to what is going on with my account, I have lost the ability to lower my interest rate due to this mess. I am very upset, frustrated and feel hopeless with this mortgage company. This is a horrible company to deal with and I'm surprised they are still running with all the bad reviews and complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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:
My name is XXXX XXXX, I have been a victim of Identity Theft and have suffered tremendous lost because of it. I submitted all of the proper documentation to all XXXX bureaus on XXXX XXXX of 2021 and have yet to get any response. I have suffered financially, fraudulent accounts have been opened in my name and I am just asking the bureaus to do the right thing here and by law per section 605B of the FCRA, these accounts should have been blocked within 4 days and an investigation launched on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Nelnet, Inc.
State: SC
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:
In forbearance due to economic hardship due to lack of unemployment. I was told that I would not have to pay nor would my loans reflect as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX of Birth XX/XX/XXXX SSN # XXXX Date : XX/XX/XXXX This letter is in regards of a dispute with XXXX After ordering a copy of my credit report I have notice that its inaccurate information on my credit report. And I have/had know knowledge of these accounts. 

In accordance with the Fair Credit Reporting Act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # : XXXX This account reporting is in violation of 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 an 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.

I this inaccurate account deleted from my credit file!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: JPMORGAN CHASE & CO.
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
My business partner sent me a bank wire on XX/XX/2023. 
It finally went to JPMorgan/Chase on XX/XX/2023. Still have not recieved the funds from my business partner. 
I recieved a notice from Chase that they are closing my business account in 3 days as of XX/XX/2023. 
As of XX/XX/2023 my business account was closed, i got a call saying my remaining funds in my account will be sent to my address on file in 2 days. 
Its XX/XX/2023 still no answer on my wire they called me, and said they cant disclose any information in reguards to the incoming bank wire of {$54000.00} from my business partner. 
This is unacceptable and i want those funds sent to me immediately without any further delay. I have sent proof before that this is not fraud, or any illegal activity. I have also attached proof in attachments to this complaint. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN ATTACKED BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WHEN IT COMES TO MY PERSONAL INFORMATION. 
THIS SITUATION IS CAUSING ME A GREAT DEED OF STRESS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-06-04
Company: CL Holdings LLC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried multiple times to have my Experian account updated correctly. I have sent multiple dispute letters, and have yet to receive a response and/or correction to my accounts. Experian has been unable to validate accounts and is erroneously reporting negative information. The following information can not be validated and should be removed : 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 explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 writing to formally dispute an account on my credit report that I believe is the result of identity theft. I recently reviewed my credit report from your bureau and identified discrepancies related to the following account : XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-01-09
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-10-18
Company: JPMORGAN CHASE & CO.
State: LA
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:
On XXXX XXXX, 2022, my travel agent submitted a substantial charge for an upcoming cruise for payment via my Chase credit card. The charge was made on the same credit card with which I had made the cruise deposit and was made some 10 days before the due date for the final payment. When I contacted the travel agent several days later, but before the due date, to arrange for payment, I was informed that it had been made already with the Chase credit card. Although I was uncertain whether the charge exceeded my credit limit on that card, I was assured by the travel agent that there had been no hesitancy by Chase in accepting the charge. However, I was notified on XX/XX/XXXX by a credit monitoring company that notification had been received that I had exceeded my credit limit on a card by over {$6000.00} and learned that my XXXX score has correspondingly dropped by XXXX points, from " exceptional '' to " good ''. Complaints to Chase that I had received no notice from them or requests to rectify the situation between XXXX XXXX and XXXX XXXX, when they prepared my monthly statement and simultaneously notified the credit reporting companies were .to no avail. And, even on my statement, received on XXXX XXXX, I was required only to make a payment of some {$290.00} by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CL Holdings LLC
State: VA
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:
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 an account without my written instructions. 
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. 

I do not have a contract with ) Jefferson Capital SYST ) Account # XXXX Nor do I owe any debt to ( XXXX XXXX XXXX ) Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 need help regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX BANK ( XXXX ) XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX  ) XXXX XXXX ( XXXX  : XXXX TransUnion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX TransUnion : XXXX ) XXXX XXXX  XXXX ( XXXX : XXXX TransUnion:XXXX  ) XXXX XXXX XXXX ( XXXX : XXXX TransUnion XXXX XXXX ) XXXX XXXX  XXXX ( XXXX : XXXX TransUnion : XXXX ) XXXX XXXX XXXX ( XXXX TransUnion : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX ( XXXX  : XXXX : XXXX ) XXXX XXXX ( XXXX  : XXXX ) XXXX ( TransUnion : < ) XXXX XXXX ( TransUnion : 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