BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
TransUnion is showing 5 open accounts on my credit report. I filed XXXX XXXX  on XXXX  and ALL accounts should be reporting as CLOSED, never late and included in XXXX XXXX  petition.

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 2021-12-24
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 no idea why you keep posting these negative accounts on my credit report, I already send few complaint to your company. I think that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I tried fixing this issue since XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 2021-04-04
Company: Lending Club Corp
State: CA
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:
Lending club incorrectly marked my credit line with a XXXX late mark while my account was in forbearance during the month of XXXX and XXXX until XX/XX/XXXX with an additional 15 day buffer. I have made multiple attempts at speaking with lending club and their manager refuse to help, their number listed on the credit report is a fax. Ive filed many complaints and no resolutions have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi there, I sent a identity theft packet, that included letters of the listed accts to Transunion. I sent my report with all items marked off included in the identity theft. I filed a Identity theft report to identitytheft.gov and also sent a copy of 605 b which clearly states : ( a ) Block. Except as otherwise provided in this section, 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 by such agency of I spoke w/ XXXX from Transunion and spoke w/ XXXX who advised the dispute will be completed by XX/XX/XXXX, I advised him of the timeframe and blocking those details in which he advised he received the documents on XX/XX/2020 which means the information should be blocked by now

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX**** Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2021-04-03
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: Was not notified of investigation status or results

Complaint:
I sent a dispute to credit bureau about a collection ( XXXX ) and I have not received a response back or any 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 2021-12-01
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened a business credit card for my company XXXX years ago with PNC BANK with a 21.99 % interest rate with the promise of an increase in credit amount and a interest rate reduction after making on time payments after XXXX year. 
My company as made all payments on time and has also requested an increase in credit limit. We were declined an increase in credit with no explanation. When trying to make payments online through their mobile app there was often problems with the mobile app where i had to call PNC BANK an speak to a representative to get the bill paid. I was told by each representative that this will not be a problem in the future. 
It is a constant problem when trying to conduct business when making payments and purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: DISCOVER BANK
State: TX
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:
I purchased some trading cards from XXXX XXXX XXXX last month. In the month of XXXX. I received the cards and they were all factory damaged like cards that were suppose to be disposed of. They sold them to me and I called XXXX XXXX XXXX to get a refund or replacement. They said no that I would have to call panini, the manufacturers of the cards. So I did and was told to send them I did and they sent them back and they refused to replace the cards and was told to call XXXX XXXX XXXX. They told me they weren't going to refund me and called XXXX  yet again. They told me to call my credit card company. So I did. Discover was the credit company. I opened disputes and they said that transactions are valid. I explained why I should get a refund but they didn't care do to the no refund policy. But that shouldn't apply if I get a bunch of cards that have so much damage to them all they are good for is firewood. 90 % of the cards are damaged. Like I stated earlier, they package they rejected cards off the line and i received them. The seller nor the manufacturer would help me. Kinda telling me " we ripped you off and what '' please assist with this. I'm out over $ XXXX. 
Discover credit card {$930.00} XX/XX/2023 {$820.00} XX/XX/2023 {$310.00} XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$28000.00}, XXXX XXXX XXXX Balance : {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Capstone Credit & Collection, LLC.
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: Was not notified of investigation status or results

Complaint:
I sent a dispute to the credit bureaus about a collection ( CAPSTONE CREDIT & COLL ) name and have not received a response back or any results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo bank claims my checking account was negative XXXX and they refused to unhold my account until I balanced out my account prior to them locking me out of my account my savings balance was XXXX dollars when I called to get my account unblocked they claimed my savings was only XXXX dollars and I was in the negatives in my checkings account Im the amount of XXXX when asked why they read me transactions that I transferred funds from my savings to my checkings to cover these transactions and it was immediately available to cover these transactions which left my savings in the amount of XXXX before they locked me out of my account in order to proceed and have my account back I had been told by there loss provention I need to visit a branch and have them transfer money from my savings to my checkings account and balance my account in order to have accesses to my bank account again which I did with a bank teller when asked by the bank teller if they would removed the hold they proceeded to tell the bank teller that they would have to place my account back on hold after I balanced my account when the bank teller asked why there only answer was become they have to and they had no explanation what so ever as to why I strongly believe they took my money and covered it up when asked about the transfers that I made from my savings to my checking account to original pay for said transactions that caused my account to be extremely negative they responded that apparently I never transferred anything which is suspicious due to my wife was right next to me as a witness when I made these transfers these events occurred between XX/XX/2023 and XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company repeatedly calls asking for information not relating to me or my wife ON OTHERS. We have told them they are in violation FDCRA in that they have no authorization to contact anyone but the debtor. They need to cease immediately. XXXX XXXX XXXX comes up on internet Spam high risk... please report FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: World Acceptance Corporation
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: Their investigation did not fix an error on your report

Complaint:
My account was remove from XXXX but it's still has not be removed from XXXX and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: LEXISNEXIS
State: AZ
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:
On XX/XX/XXXX I XXXX XXXX disputed several inaccurate items on my LexisNexis Disclosure Disclosure file. One item in particular stood out in the XXXX XXXX XXXX by a business named XXXX XXXX. The name also associated with this business did not associate with me as well. These items were disputed with the Consumer Financial Protection Bureau as well. LexisNexis said in the response letter to myself and the Consumer Financial Protection Bureau that the item in question which is XXXX MARKETING was in fact removed from my credit file but upon reviewing an up to date LexisNexis Credit Report dated on XX/XX/XXXX LexisNexis has committed a reinsertion violation by re-inserting XXXX  MARKETING back onto my file. They not only re-inserted the derogatory item back on my file, but they did not notify me in writing within XXXX business days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX - deposited XXXX dollar check XX/XX/XXXX - checked online and it cleared. Brought XXXX dollar balance to an available XXXX dollar balance. (, some credit was issued to me on top of the funds from deposited check. 


That evening thee balance went from XXXX available to XXXX available dollars. Then later returned to XXXX dollar balance prior to the check being deposited via mobile deposit. 

XX/XX/XXXX - A letter from Research and adjustments department was sent out informing me of a debit /credit to my account in the amount of the check due to a Mmobile deposit error and since it was presented to me as a available balance for a bbusiness day it instructed me to take my original document to the local branch and my account would bee adjusted. Thee letter apologizes for the confusion and provided a reference number which I used after the distraught banker rebuked my presentation and removed all trace of the transactional credit told me that I endorsed the check incorrectly and to send for another one to endorse properly. So 14 days later I received my next check, endorsed it like so and the check was XXXX dollars. A balance of XXXX dollars became available after depositing the check with proper endorsement and XXXX dollars nbecame available which I paid to my automobile insurance directly after. A month later I go to look for my proof of insurance and the task wasn't possible whereas the bank had stopped the check, lied about requirements for accounts and check management, and reversed the payment without my knowedge and removing from My astatement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: ALLY FINANCIAL INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an online bank account with ALLY BANK. Yesterday ( XX/XX/XXXX  ), for some unknown reason, ALLY BANK has locked my account citing only " suspicious activity. '' I've called ALLY BANK 7 times asking why my account was locked and they will not tell me what this alleged " suspicious activity '' is or was. I asked them when my account will be unlocked and they said there is no time limit. 

I have never had this happen to me before. Can someone please advise me on what to do? This can not possibly be legal. They can not be able to just lock my account for no reason and with no time limit to fix it.

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 2023-08-16
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please see the dates in the attachments where I have been trying to work with this creditor and explain to them that I am a victim of identity theft and have been working diligently the past year to clean up the mess that is my credit. They have been unresponsive and continue to just send credit statement after credit statement as some kind of proof the account was active, however, those purchases were never done by myself. Discover Credit Card Services keep denying my claim even though I have sent in proof of where I was living at the time of this card being opened without my permission, as well as my FTC report, police report, and my own written statement of the crime committed against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: TN
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 WAS LOOKING TO BUY A NEW HOUSE THE BANK LENDER INFORM ME THAT I HAD SOME ACCOUNTS THAT WAS NEGATIVE I KNEW THAT I DID NOT. WHEN I CHECK MY CREDIT REPORT I SEEN THAT ACCOUNTS WAS OPEN WITHOUT MY KNOWLEDGE THESE ACCOUNTS NEED TO BE CLOSE AND REMOVE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
A Capital One auto loan was closed & paid in full on XX/XX/2019 when I traded my old car in & financed my current vehicle. Capital One updated the loan status to the three credit bureaus in XX/XX/2019. The loan is still showing open & delinquent with a balance on my XXXX  report & showing closed delinquent with a 0 balance on myXXXX  report. As a result the errors have dramatically affected my overall credit scores as well as XXXX  scores related to auto financing. I have disputed the errors & requested updates from both XXXX XXXX XXXX but nothing has changed or been removed. The errors on the XXXX  report have been particularly damaging because I am not able to qualify for a lower rate loan for a new car or refinance my existing car loan. XXXX  blamed it on the lender for failing to transmit the updated info in XX/XX/2019, but I find that hard to believe since XXXX  correctly updated the information & XXXX  updated most of the information correctly ( with the exception of status being delinquent instead of current ).

Company response to consumer: Closed with explanation