BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: VA
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 am stating that XXXX, XXXX, XXXX, and Equifax have went against my rights as a consumer by reporting unverifiable and false information on my consumer report, and I am demanding reparations. 

Congress states under FEDERAL LAW that what XXXX, XXXX, Equifax, and XXXX are reporting should not be on my consumer report ; pursuant to XXXX5 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, '' should be excluded from my consumer report. This means anything that was extended or authorized from a credit card should not be on my consumer report. 

Congress states under FEDERAL LAW what a Credit Card is pursuant to 15 USC 1681A ( R ) ( 2 ) " The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I extended my credit to XXXX through my Social Security Card as my " Credit Card '' which classifies any business I do with them a credit transaction. 

My rights were also violated when these transactions were reported to my consumer report because they failed to follow proper procedures. Congress states in 15 USC 1681b " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' Then pursuant to 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I never gave any of the consumer reporting agencies written consent to furnish my credit report. 

I am demanding from XXXX, XXXX, XXXX, and Equifax to not only delete any and everything from my consumer report in regard to XXXX  ; I am also demanding at least {$1000.00} per deletion from EACH company for the pain, trouble, and inconvenience they all have caused me pursuant to 15 USC 1681n. Failure to comply within ( 14 ) days will result in me pursuing litigation and receiving more equity than demanded. 

I have also had a conversation with XXXX  already yesterday XX/XX/2021 and they stated that they will remove all of my information from the consumer reporting agencies. I understand that deletion is admission, and that what they did was in fact incorrect therefore I am demanding my equity in the above statement from every party involved for at least {$1000.00} per deletion sent in the form of checks to the address XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
This communication is in reference to my LexisNexis Consumer Disclosure Report dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The item in dispute is the Inaccurate Business Association Record that LexisNexis is reporting on my LexisNexis Consumer Disclosure Report.

This is my fifth notice to LexisNexis regarding the Inaccurate Business Association Record that is being reported on my LexisNexis Consumer Disclosure Report. This information is inaccurate because I am NOT associated with the Business Association Record that LexisNexis is reporting. Additionally, LexisNexis has previously reinvestigated the inaccurate Business Association Record and determined it to be UNVERIFIABLE. 

Since the inaccurate Business Association Record has been previously investigated by LexisNexis and was determined to be UNVERIFIABLE, there is no need to initiate a reinvestigation. Based upon LexisNexis ' previous reinvestigation, I kindly request that this inaccurate Business Association Record be promptly and permanently removed from my LexisNexis Consumer Disclosure Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: FL
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any INQUIRIES which is found to be fraudulent. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged an annual membership fee of {$59.00} with Capital One XXXX  months ago on XX/XX/2023. I have had my card for years and am in excellent standing. I lost my job and can't afford this membership fee, I also won't be using the card to travel ( this is a travel card. ) I called and asked for the fee to be refunded on a pro-rated basis for the remaining portion unused and also to change my card type to a regular card that doesn't have a fee. I asked for the fee to be pro-rated for the unused months since it is an annual fee and I won't be using the privileges for the rest of the year. First, the representative tried to talk me into keeping this type of card which I can't afford. Then she transferred me to a supervisor who said she can't help me at all. I explained to her that it seems predatory to charge me a fee for services I won't be using and I '' m only asking for a portion of the fee to be refunded. She then refused to give me any more information about her supervisor or who else I could talk to once she told me there is nothing she can do for me after being a customer for XXXX  years and paying this fee. I'm going through a hardship and after a decade in good standing with Capitol One they are refusing to refund me for a fee that is charged for services I won't be using. In addition the supervisor said the system wouldn't allow her- she shouldn't be a supervisor if she isn't empowered to actually help customers. I told her that this seems predatory and unfair and I was writing to the CFPB and she basically said she doesn't care- making even more work for her company- over a {$59.00} fee. Her ID is XXXX XXXX XXXX. By the time this complaint is reviewed and the time it will take to remediate it, Capital One could have just given me, a good customer of over a decade, the fee back. This is deplorable that banks feel the need to squeeze customers at a time when we are going through a hardship. I am also writing to the XXXX, the XXXX, and will be tweeting about this and posting on socials for my following of XXXX people.

Company response to consumer: In progress
Consumer complaint received 2023-05-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX  I paid off my Amazon card. I called Amazon credit services on XX/XX/XXXX because my acct showed negative {$52.00} I was told it was a credit. I tried using it towards a purchase but it wouldnt work with their assistance. Finally in XXXX I was issued a refund in form of a check. On XX/XX/XXXX I paid off my acct {$270.00} On XX/XX/XXXX I purchased deco mesh Wi-Fi router extended I had to return it on XX/XX/XXXX and recieved credit of {$100.00}. I watched my balances it never reflected refund of {$100.00}. I paid {$160.00} on XX/XX/XXXX watching to see if credit was made no it wasnt. I called Amazon credit XX/XX/XXXX at XXXX spoke with XXXX employee Id # XXXX she said she saw it said credit says applied but it never was because I kept paying off the balance. She said she would report to billing give them 30 days to get credit.I called XX/XX/XXXX at XXXX spoke to XXXX he said I would have to call XXXX he couldnt transfer me than said she wasnt in. All these calls Ive asked for my {$100.00} credit back in a check. I tried calling Amazon customer service they said they cant help. Recently I had another credit of {$14.00} on XX/XX/XXXX it never been posted or given back. Also a purchase was made XX/XX/XXXX I didnt buy anything. {$14.00}

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 2022-05-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, Has Violated My rights 15 U S C 1581 section 602 States I have the right to privacy 15 U S C 1581 section 602 also States A consumer reporting agency can not furnish a account without my written instructions

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 2020-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America reported my account to XXXX  due to suspected fraud when I never had committed any fraud they said somebody tried taking {$300.00} more than once and due to that they closed my account and reported it to XXXX  and due to that I haven't been able to get it bank account or a second chance bank account I called the bank and ask them if I could get removed but they said they couldn't they said that the only ones who could remove me was XXXX  so I called XXXX that you only one stick of remove me is Bank of America me going back and forth from XXXX  to the bank and it seems like they don't want to help me when I never committed any fraud and they never gave me any info when this happened so I didn't know why my account was closed I don't owe them any money I'm trying to get a bank account and I can't due to this and they won't be with me every time that I tried getting remove taking me the round around from XXXX  to Bank of America and then from Bank of America to XXXX seems like they don't want to help me out with my problem when I never committed anything I never did anything wrong and they never gave me any answers on why they closed my account when it got close

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-02
Company: Bread Financial Holdings, Inc.
State: PA
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 following creditors have violated my rights. Under code 15 USC 1681 ( a ) ( 4 ) The following creditors violated my privacy rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: LEXISNEXIS
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX XXXX XXXX I have car loans and mortgages in my name by my husband XXXX XXXX XXXX date of birth XX/XX/1975

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Doing XXXX data breach, my information was stolen and there still is accounts and inquiers that are not mine. I had called XXXX many time and got no where. 
All so asked them about the date breach lawsuit and the money XXXX owes me.

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 2023-02-16
Company: Post Lake Lending Inc.
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
My loan with this company was supposed to be completed on XX/XX/XXXX. However they have continued to pull funds from my bank account without authorization and after doing stop payments. They keep changing their name so the stop payments dont work. Please help me stop these payments from coming out of my account and refund the payment taken on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Re : You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error Upon conducting a recent examination of my credit history. I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The cruditor 's inability to truthfully depict an obligation payment or credit that was givor to the debtor on a statement ( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Ugan conducting a recent examination of my credit report, 1 discovered a substantial amount of discrepancies Based on my understanding. the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments an this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status. which can be attributed to an evident billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A CREDIT REPORT WAS PULLED IN XXXX AND XXXX DIDN'T APPEAR ON TRANSUNION. ANOTHER REPORT WAS PULLED IN XXXX AND XXXX APPEARED ON TRANSUNION. XXXX NEVER SENT AN NOTICES. PER MY INVESTIGATION, TRANSUNION IS REPORTING MY NAME SEVERAL DIFFERENT WAYS WHICH INDICATE THAT THERE IS FRAUD GOING ON WITH MY NAME, DOB AND SOCIAL. THIS ACCOUNT REPORTED TO TRANSUNION FROM XXXX DOES NOT BELONG TO ME.

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 2023-11-22
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 filed multiple disputes with XXXX XXXX Both CRAs keep reporting an auto loan ( XXXX XXXX that was never late/paid on time ) they keep reporting a delinquent status on this account. But it has no late payments. I have tried to correct this account for 6 months. Initially, they removed the negative information and added it back to my account the next day. However, I am now still waiting for them to update this once again. I will attach proof of this information to this complaint. I have sent them bank statements and a letter from the creditor. I will enclose the valid letter from XXXX XXXX that was mailed to my address on XX/XX/2023. XX/XX/2023 XXXX representatives are not taking any action to fix this account. Transunion is not updating any information. It's an ongoing dispute process for months.

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 2022-09-27
Company: REGIONS FINANCIAL 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:
To whom it may concern, I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving 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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I would like to request proof of original debt in addition to the original contract that I signed, including providing billing statements for the last several months and the original contract I signed when opening the credit card account with 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 2023-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting. 
agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: WI
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:
I'm in the process of reviewing my consumer report and noticed many inaccuracies regarding Account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e Compliance procedure states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agency was in compliance with this matter. 
Please delete from my report from this agency for violating compliance procedures. 
Thank you in handling this matter.

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