BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I sent a letter to all 3 bureaus concerning my credit report. It's been over 60 days with no response. This is a violation under the FCRA pursuant to 15 USC 1681i. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. You are in violation of the FCRA! I demand these accounts be deleted immediately from my credit profile!

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 2021-03-11
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2021 in attempting to purchase credit monitoring services from Experian.com and XXXX I was given an error message which stated that '' Experian does not have any record of my credit history. '' I called and spoke to a representative that escalated the issue as she was not seeing the reason for this. She stated it would take 24-48 hours for me to get a response on the issue. When I was not given any notification in my Experian app about this I called back and was told by a rep ( outsourced outside of the US ) I asked for a US Rep but was not given one. The rep gave me instructions on troubleshooting the issue. when that did not work he asked me to send an email to XXXX. I asked him to confirm he received the email and he said he did and I will be given a response that they are working on this issue. This email contained my person information. Today I called Experian and spoke to a representative name XXXX ( a US representative ) who basically berated me and told me I spelled the email wrong because they never received the email. He was rude, unprofessional and condescending. I spent about 20 minutes begging to speak to a supervisor and he would not transfer until he spoke his piece. He told me that it would take anywhere from 24 hours to a month for them to respond and I needed to get the right email from him ( which I declined since he tried to imply I can't spell ), I wanted to his supervisor to get the correct information. After about 30 of insults from XXXX I was transferred to his supervisor XXXX which I confirmed by asking is she was indeed a supervisor. She informed me of the issue and transferred me to the dispute department to rectify. before we disconnected she informed me that she was putting in notations and to mention to the dispute rep to look for XXXX XXXX notes to fix the issue I spoke to the dispute rep and there are no notes in the account from XXXX. The issue was not 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 2023-01-16
Company: Experian Information Solutions 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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-01-16
Company: EQUIFAX, INC.
State: NE
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Back in XXXX I was a victim of XXXX in XXXX XXXX he was taken also in XXXX Unemployment sent me a letter saying my identity was breached also with XXXX my identity was breached and with this RV company I just got a letter my identity was breached the only things I should be on my credit should be a paid off XXXX with XXXX XXXX totally paid off XXXX XXXX XXXX  credit card for XXXX hour limit almost paid off XXXX XXXX almost paid off XXXX XXXX almost paid off that is the only stuff that should be on my credit report I on my own home I owe nothing on it I owe no bills I never had any and Im very upset I am XXXX years old and I should have great credit I paid off all my vehicles I have I paid off my home never been in trouble nothing and Im going through this my credit score should be so high big due to the fact that I paid off two cars with cash bought a house paid off my credit cards and I only should have two store credit cards and one for XXXX card and I noticed theres a lot more on my credit reports that it supposed to be there and I want it removed because this is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-02-06
Company: EQUIFAX, INC.
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:
I'VE CONTACTED EQUIFAX VARIOUS AMOUNT OF TIMES TO HAVE ITEMS REMOVED FOR INACCURACIES. THAT HAVE YET TO ADDRESS THE DIRECTLY AS THEY HAVE BEEN PUTTING THEM OFF. I HAVE SENT ALL OF THE ITEMS THEY REQUESTED BEFORE AND STILL WILLFULLY NEGLECT TO ADDRESS OR CORRECT THE WRONG INFORMATION THE CONTINUES TO STAY ON MY CREDIT REPORT. i AM ALSO A VICTIM OF IDENTITY THEFT AND ADDRESS THIS ISSUE WITH LAW ENFORCEMENT AND HAVE OBTAIN A POLICE REPORT WHICH I HAVE INCLUDED IN THE DOCUMENTS ALSO. I REQUEST THAT EQUIFAX PROVIDE ME PROOF THAT THEY ADDRESSED MY CONCERNS THOUGH UGLY AND REQUESTING A METHOD OF VERIFICATION OF ALL THE ITEMS ADDRESSED. I REQUEST ALL THE WRONG INFORMATION BE REMOVED AS I HAVE SUBMITTED TO THE CRA ALSO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2020, I XXXX XXXX attempted to usemy CapitolOne Platinum Credit Card ( Last XXXX XXXX ) with XXXX  to purchase {$2000.00} K of XXXX and XXXX XXXX. I receive a message from the website that it was denied by the Financial Institution, CaptiolOne. I contactedCapitolOneManagement. I explained to them that theres nothing in my contractstatingIcannot purchase foreign currency or cryptocurrency. The platform is similar toXXXXwhich is allowed and has the same level of risk with daily value. They did not give a specific reason for denial, nor did they say that it was in conflict with the law, but referred me to the contract. I asked for specific paragraph and line but was denied. I stated that this a service and finish good that meetsthe standard for Sarbanes Oxley ( SOX ), meaning it meet fair businessand accountingpracticesand General Accepted Accounting Practices ( GAAP ) criteria. They stated that I was correct but elected to deny the transaction. I did let them know that most financial business are not particularly liking XXXX based on the model. It is more desirable for the consumer eliminating fees, thus cutting into their bottom-line. The attempt to not allow me to purchaseXXXX XXXX or any other medium, is a conflict of interest. I ask for copy of my complaint. I was rebuffed as I asked, but they stated it would be denoted in my file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING FRAUDULENT ACCOUNTS WERE OPENED IN MY NAME : BANK OF AMERICA # XXXX OPENED : XX/XX/XXXX XXXX. XXXX BANK OF AMERICA # XXXX OPENED : XX/XX/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 2021-11-17
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Conversation was started w/Mr. Cooper and homeowners at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. Phone calls and complaints were made to get to the reason of why we should be in bankruptcy and there is no reason we should. Mr. Cooper confirm a pass due amount of {$6500.00}, while the HELOC is {$2900.00} and additional amount due to HOA. Homeowners are compilating a dismissal of XXXX. However, Mr. Cooper has said there was no room to have this loan modified. Payments can not be lowered and the terms aren't negotiable. Given the present state of emergency around the world with COVID-19 being a factor causing the deaths of significant love ones, we can not see how this investor refuse to modified this loan. We would like an explanation to cfpb as well as homeowners.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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:
XXXXm 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2020-12-26
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$230.00}, {$6100.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.

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 2020-12-26
Company: Experian Information Solutions Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hello my name is XXXX XXXX I was reviewing my credit information and I found an unauthorized ( XXXX XXXX ) account was opened in a FRAUDULENT way, please remove it from my credit report

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 2020-12-26
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I sent a letter to all 3 bureaus concerning my credit report. It's been over 60 days with no response. This is a violation under the FCRA pursuant to 15 USC 1681i. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. You are in violation of the FCRA! I demand these accounts be deleted immediately from my credit profile!

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 2020-12-24
Company: Bread Financial Holdings, Inc.
State: OH
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 XX/XX/2020 I went in to XXXX XXXX to have a FREE CONSULTATION, i was " helped '' by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. after not liking the actions they wanted to take i decided not to follow through with any work being done or any more apointments. i did not give permission for my credit to be ran which in turn gave me a hard inquiry and even more so an OPENED ACCOUNT! it was brought to my knowledge by an email from my credit monitoring that an account was opened in my name!!! i called the office and spoke to a person named XXXX and he admitted that my credit shouldnt have been ran without my consent neither should an account have opened in my name if i was only going in for a free consultation ... now i am in the process of trying to have this removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  employees have been deleting my account information after Capitol One sends false debts to the credit bureau. 

As shown by the pdf photos provided, there is no payment history on my XXXX  account member ID:XXXX for the month of XXXX, yet there is a debt balance of {$1.00} for the month of XXXX. 

( This {$1.00} amount is consistent with my on time capitol one payment for the month of XXXX as shown by the pdf photo provided ) I also have confirmation transcripts from XXXX  employees stating XXXX  deletes account info. 

XXXX  Dispute Department of XXXX  Employee : XXXX team : XXXX, Site : XXXX, Texas XXXX XXXX 1 hour 32 minutes 39 seconds XX/XX/2020 " Capitol One did not report for the month of XX/XX/2020 '' " Capitol One reported to XXXX  before the due date was even due, and it has been like that since XX/XX/XXXX and they had been reporting on the XX/XX/XXXX of each month '' " a lot of information is missing from the report and erased from the account '' Direct line for the Dispute Department XXXX  agent women named XXXX XX/XX/2020 at XXXX XXXX : " Capital One reported no information for the month of XX/XX/2020. '' " Your account information has changed since the XXXX  agent XXXX spoke with you last week, your due dates are now noted as the XX/XX/XXXX of each month '' Furthermore, as seen by the pdf photos of XXXX and Capital One, it is fact that Capital one has sent false multiple debts to XXXX  for XX/XX/2020 and XX/XX/2020 which negatively impacted my credit score. 

FCRA regulations state creditors ( Capital one ) has to report accurate information to reflect on the credit report. 

Capital One is in violation of FCRA regulations as shown by the evidence pdfs provided. 

XXXX  employees are deleting information sent by the creditor Capital One and have erased information from my account. 
XXXX also has a XXXX  XXXX system which is not providing accurate information. As shown by the pdfs, when a false debt is removed from my account, my score dropped 27 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
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:
On the date of XX/XX/2022 I disputed several inaccuracies on my report. All were removed, but two has come back & it's causing severe damage to my profile. According to the FCRA several of my rights have been violated. 
15 U.S.C.602A : States my right to privacy 15 U.S.C. 604A : States a consumer Reporting Agency can not furnish my information without my written consent. 
I did not give permission for any of these companies to furnish my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This happens with my checking accounts at CAPITAL ONE 2 weeks ago XX/XX/XXXX and XX/XX/XXXX I received a wire transfer from my business partner in real estate regarding a house flipping {$60000.00} and {$50000.00} Then I made few transfer and cash withdrawals in between my business account and checking account Then I did a wire transfer out to a titled company Next thing I got an email from consumer protection saying I have to give them a call regarding a suspicious activity in my account I ignored the email think it was a spam The next day my account was restricted/ freezed and the wire transfer I did to the title company was returned Now I have {$100000.00} tied up and unaccessible in my capital one checking accounts Then I got an email saying my account may be closed and I will recieve a check after the review I then decided to call they told me my account has been closed and is under pending review This all happened on XX/XX/XXXX Then they told me to go to my CAPITAL ONE branch in person I did and they supervisor called their customer protection service then they ask for the number of the person that did the transfer I gave it to them they verified the number They also asked me to tell the person that sent the wire transfer to send them proof that she is the one that sent the transfer My business partner told her bank thats XXXX XXXX to fax the wire transmission log to my branch and proof it is her that did the wire transfer They faxed all this info last week Now i called today they told me that my account is closed but the review/investigation is still pending for over 11 days now I have no money to take on a project or to pay my bills It has being pending since XX/XX/XXXX they confirmed today that my account is closed through a call Then I asked for an update regarding the status on my account closure during a call there was none on my profile Where by my money {$100000.00} is still tied up with them Now send me a closed out check to my address on file they are telling me theres is still an investigation or review So now Im reaching out to you guys to help me solve this problem Below in the image my the status of my account before it was closed and the wire transmission log and proof that my business partner sent me the wire transfer and other images

Company response to consumer: Closed with monetary relief