BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a flight on XX/XX/XXXX with Capital one travel. I am a new Capital one XXXX  card holder. While booking a flight all it told me was i can cancel the ticket for full credits. However it didnt tell me that there is XXXX hours window for it. When i cancelled it few days later they gave me credits worth only XXXX $ instead of 2000 $ which i paid. During booking the flight on capital one travel site, it was only mentioned ill get full credit while i was booking the flight. XXXX was not mentioned prior to booking. This feels like mis-leading the customer and taking advantage of them not reading a fine print hidden somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit is currently frozen with the 3 credit bureaus as a result of the Equifax breech. I am not in the process of obtaining a loan and wanted to temporarily lift my credit freeze with Equifax. On XX/XX/2019, I placed three phone calls to Equifax representatives and after answering approximately 8-10 security questions to get through to a representative was told " our system is down, you'll need to call back in a few hours ''. I asked the first representative " what is a few hours '' and was told try back in two. Called back in four hours in an attempt to ensure success but again after entering answers to all security questions, I was told again that their system is down and that I would need to call back. Again I asked when? This time was told to call back in half an hour. Instead I called back in two and again, after entering all of the security prompts, was told to call back. This time I asked the representative why they could not call me back when their system was back up and running and was told " we can not call you back ''. 

Now today, XX/XX/2019, I attempted once again to get through to Equifax to left my credit and received multiple responses all after entering my secure data. First, I am told that today is a holiday and that their offices are closed. Then I attempted other prompts and was finally told that my request will have to be faxed in. This is not acceptable. I need my credit temporarily unfrozen by Equifax until XX/XX/2019. This was accomplished easily and handily at XXXX   and XXXX. The company that caused me to have to freeze my credit report is not cooperating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent in numerous complaints about the ongoing violation of my consumer rights and breaking of the law by TransunionI have been mistreated, lied too and disrespected by Transunion for a long nowThis has to stop immediatelyIve attached a letter and an FTC report stating the violation and misconduct on the part of Transunion

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 2023-04-01
Company: EQUIFAX, INC.
State: NC
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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CBC Companies, Inc.
State: TX
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:
XX/XX/2023 Innovis is reporting inaccurate address that does not belong to me. I just got off with manager XXXX refused to correct my address defaming my character. She instructed me make sure credit agencies have my correct address, which they all do but Innovis. She instructed me XXXX XXXX and XXXX have another address, which is false because they have my correct address. I informed her everyone has my correct address but a Innovis. She still refused and wants me to send in a letter, with documents which is upsetting because I have no driver license and cant get to the POST OFFICE, She refused to give me her last name, and ID number, I respectfully file this complaint to get this matter resolved. Unbelievable Phone call with XXXX at XXXX XXXX central time on XX/XX/2023. Innovis shame on you for refusing to correct my address, wow. 
The correct address is XXXX XXXX XXXX XXXX XXXX Texas XXXX Inaccurate address they have for me : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Tx XXXX Proof XXXX XXXX has my correct address, yet Innovis refused to correct mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NY
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:
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.

has violated my rights. Or a 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 response to consumer: In progress
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX pen this letter with an overwhelming mix of distress and anger that any person in my situation would feel. I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. 
The Federal Trade Commission ( FTC ) and law enforcement agencies have recognized the validity of my claims. I have taken every possible step to follow the proper procedures, and it is inconceivable that your bureau continues to ignore the law and my rights as a victim of identity theft. 
These are the accounts that I need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I expect a written acknowledgment of this dispute letter and an immediate commitment to investigate my identity theft claims with the urgency and seriousness they warrant.

Company response to consumer: In progress
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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:
From XXXX to XX/XX/XXXX, I've even sent certified mail to all 3 B in its bureaus about my Name being wrong addresses. Wrong Loan info. Credit cards From XXXX XXXX XXXX XXXX XXXX XXXX XXXX were supposed to be removed completely removed. I never had those cards physically. also Hard inquires i asked to get removed that were not authorized XXXX credit / XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023. All of these are not mines or did i have knowledge of them being used or authorized. 
I want them all removed, and i want all hard inquiries removed please than you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A debt collection company named XXXX and XXXX is reporting that I owe {$3000.00} to XXXX. However, I have no knowledge of this debt that the debt collector is claiming I owe. Florida state laws does not recognize XXXX as a licensed company and it is not authorized to conduct business in the State of Florida where I reside. Therefore this debt is invalid and should be removed from my credit report immediately.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 15U.S.C 1681.Section 602 A. States I have rights 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!

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 2023-11-03
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: Credit inquiries on your report that you don't recognize

Complaint:
i did not initiate any of these inquiries

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 2023-01-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$49.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  XXXX ) XXXX Balance : {$1700.00}

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 2022-04-07
Company: Social Finance, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
This company performed a soft-pull to verify my credit score and credit report and then presented me with a pre-qualified offer ( I understand this is not set in stone ).

The offer was presented and accepted. A hard search was performed.

Two documents were requested, a copy of my drivers license and a most recent paystub, they also have the option to link a bank account in your name via XXXX. All 3 of which I provided and/or completed. More than fulfilling my requirements under KYC regulations. 

On XX/XX/XXXX both XXXX and Sofi made verification calls to me, quite coincidentally at the same time, as mentioned to the Sofi Caller at the time. I was previously a victim of identity theft so XXXX wanted to verify the application was in face made by me ( XXXX XXXX Member ) and Sofi ( the lender ) also wanted to do the same, they called me on the number listed on my credit report and I confirmed I did indeed apply for a personal loan with them, the caller was pleasant confirmed I had credit score requirements and would now finalize my loan. 

On XX/XX/XXXX Soft declined my application and sent an Adverse Action Notice with the decline reason being they were unable to verify my identity. They listed the source of their verification information as XXXX, I immeadiately called XXXX as I assumed they must have been unable to pull my credit correctly due to mismatching details, XXXX confirmed they had successfully performed a hard pull and using their document upload service confirmed that the information provided in the application matched that on my credit report and that the adverse action notice was invalid for that reason, they suggested I call Sofi and ask for clarification, after explaining to a Sofi agent what XXXX had said they proceeded to place me on hold for 26 minutes, at which point they returned and advised me that I was to apply again and that they had no further information beyond the adverse action notice. 

The company should not perform a hard-pull on a consumer if they are not sure of their identity, there is also no course of appeal or communication with underwriting to take steps to provide further information to establish identity verification, if the source of information used is as the adverse action notice suggests then XXXX have contested the adverse action notice as the information matches, if the source of information to establish identity verification differs from that mentioned in the adverse action notice the company has witheld the source from the consumer and therefore breached FACTA as there is no point of contact for recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: TX
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 have been disputing these two accounts since XX/XX/XXXX. I have previously paid BOTH of these, they were not balances I owed, however, they were under my name and I was ultimately the responsible party in paying them. In which I did. I have asked multiple times for information from XXXX, XXXX, Equifax as well as XXXX, in which XXXX merely sent a statement for the {$130.00} account, no dates, no address, no information other than stating they do not have to provide that information. I sent that response to all three bureaus, and they again just verified the accounts. They updated the accounts as new late payments, new collections and new charge offs, absolutely destroying my credit score from XXXX to upper 400s. 
In order to salvage my credit, I paid the balances, again. This time I sent a letter for each check to XXXX, an agreement letter to pay for the immediate deletion of each account. Each check also has the agreement in the note section stating to only deposit upon the immediate deletion of the account, account number included for the relative check. Both checks were deposited before XX/XX/XXXX, and both checks cleared my bank on XX/XX/XXXX ; however neither of the accounts have been deleted from my reports. I have sent XXXX, XXXX and Equifax a statement regarding the pay for deletion, and they verified the accounts to still reporting accurately. I attempted to call XXXX 's billing department, when googling the billing department phone number, attached a link you must agree to to get the appropriate phone number. Now I can see how the consumers, who were once thought of as customers, have no ground to stand on and will be bullied into paying any debt XXXX claims just to keep them from a personal attack on your credit ; even if it means paying two balances, twice. I just want these accounts removed from my credit report as was agreed when XXXX deposited my checks. For a multibillion dollar company, one would think XXXX would at least pretend to concern themselves with the consumers, of whoms backs they built their empire on?

Company response to consumer: Closed with explanation