BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was stolen ( including my Social Security number ) and was used to open up loans and credits cards from around XXXX to XXXX. I reported this to the police and made a police report in XX/XX/XXXX. I did tell them about Capital One and several other companies, but they were not listed in the report. I do not have a legitimate suspect to name as I do not have evidence. Around XX/XX/XXXX, a case was opened up with Capital One 's fraud department. A fax service I used failed to work and so the case was closed with my being at fault for the account. They did not send me any documentation regarding this resolution to my current home address. 
A couple of months later, in XXXX, XXXX sent me a credit report saying that the Capital One account I had disputed was added back. An agent told me that they had verified my identity using public information. 
The thief had used a number that I had never used but was associated with me in public records. I believe this is another faulty methodology as a tactic used by identity thieves now include adding false information, such as phone number and addresses, to public records. I was told over the phone to send over an affidavit, my lease agreement, and the police report. All were sent over but I was told multiple times that I needed to include a suspect name and list the card in the report. A member of the XXXX Sheriff 's Department told me that they could not list the card and I could not name a suspect without evidence. Despite this, Capital One requires me to do both, and refuses to go forward with the case until I do so. 
Capital One Case Number : XXXX. 
Account ID : XXXX. 
I had never received the card nor have I opened a Capital One account. The balance as of XX/XX/XXXX on the fraudulent account is {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/16 my checking account was hit for {$180.00} and {$26.00}. Did not make these charges and never received any merchandise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 account does not belong to me, I suspect someone applied without my knowledge : XXXX XXXX XXXX {$7100.00} XX/XX/2023 I was living in XXXX this whole time, I get back and noticed this was on my report. Please inform the bureaus of this identity theft.

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 2022-03-03
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: CA
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:
Put Consumer Reporting agencies on notice that all accounts should be validated pursuant to 15 USC 1692g. Without written consent with instructions 15 usc 1681b ( 2 ).

an Extension of credit, or experience should not be shown on my consumer reports. Companies did not respond.

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 2019-01-25
Company: Ascendium Education Group
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I went to school from XX/XX/XXXX-XX/XX/XXXX, was injured at work and had to drop out. I was off work for a XXXX and went back to work in XX/XX/XXXX. They started garnishing my wages and took all of my refund money. I now have a descent paying job and they keep selling my loans to other companies and charging me 25 %. When I pay the 25 % off they sell it again. I borrowed around 50k and paid off at least 25k and still owe XXXX! The current owners of my student loans are XXXX XXXX XXXX , XXXX and XXXX XXXX , XXXX . Previous owners include XXXX XXXX and Ascendium. The only company whom I was able to get ahold of for my balance was XXXX XXXX XXXX. These companies are making it literally impossible to pay off student loans! When I am being garnished {$800.00} per month I cant afford an extra payment, not to mention when I try to call them, the put you through 5 different people and send you to a voicemail that never responded back! Please help! My credit score has already been destroyed and I cant even get a mortgage for a house!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: MI
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:
The credit bureaus have failed to investigate inaccurate information they have added to my credit report including providing the appropriate documentation to verify this information. I have filed numerous disputes including today, XX/XX/23. I am continued to be denied the right to have this false information investigated by all 3 credit bureaus : Experian, XXXX and XXXX despite the fact they are reporting false information that has caused me irreversible damages. All 3 credit bureaus named above have violated my rights under Fair Credit Reporting Act. For reference I have uploaded the most recent denials from today 's date of XX/XX/23.

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 2018-09-09
Company: BMW Financial Services NA, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, and I've talked to several BMW financial representatives where they mentioned that they've received the automatic payment from me month over month, but apparently there were extra charges that I was not made aware of excise taxes that was not calculated correctly. For my understanding, when I signed the contract for monthly payment, the F & I at the dealership made me believe that the monthly payment included the extra fees and excise taxes. Plus there are several inaccuracies with the credit bureaus. How is it possible that one credit agency is reporting no late that specific month and other shown error. Please update all those late payments to show on-time never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: ZIONS BANCORPORATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX my husband and I applied to Nevada State Bank for an Equity Line of Credit. The documents were submitted by the branch to their central loan department. Zions Bancorporation issued a XXXX XXXX XXXX XXXX on XX/XX/XXXX, for almost {$200.00} XXXX less than the amount we paid for our home the year before. We were told that the low appraised value was sufficient to approve the amount we requested. All documents requested were submitted quickly. This equity line of credit application remained outstanding until XX/XX/XXXX when we withdrew our application because we were tired of the delays. 

At the end of XX/XX/XXXX, we applied to XXXXXXXX XXXX for an Equity Line of Credit with the same terms and promotional interest rate. They appraised our home at {$130.00} XXXX more than our purchase price which corresponds to the rising market values in our area. Within 3 weeks of our application we were offered a line of credit 150 % higher than the amount we requested. The difference in the treatment from the two banks makes me wonder if other minority applicants are treated in a similar manner as we received from Zions Bancorporation.

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 2019-01-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm a XXXX  student who has been a lender with U.S. Department of Education for several years. This month I was unable to get funds because, upon checking my credit history with Equifax, U.S. Dept of Education received a response that I have no file existing. 
I mailed Equifax a package of my identity documents ( passport photo page, front of social security card, copy of a current lease and the certificate of a recent name change ) and still received a reply that I have no credit history with them. I know XXXX XXXX, with whom I carry an account, reports to Equifax. I have a credit score with XXXX  and XXXX. 
I had a legal name change in XX/XX/2018 upon gaining US citizenship ; I updated my social security account and also mailed Equifax a court order of name change, to facilitate the search for my file. 
I'd like to resolve the issue as soon as possible because my current academic enrollment is in jeopardy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Jefferson Capital Systems fraudently opened a collection account on XXXX, XXXX and XXXX. This has damaged my credit score by over XXXX points. They say I owe {$4000.00} but I do not owe them anything. I asked them to send information regarding my debt and all they sent was my account information. This information was not enough to justify the debt and negative mark on my credit. They never sent a debt verification letter like I requested. They said my account was open on XX/XX/XXXX  and reported to credit report as of XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I was arrested and took to XXXX XXXX jail on XXXX XXXX XXXX ; I was released.upon arrival home my house has been broken into and someone stole my identy using all my information.i made a police report. I went to my bank us bank wich had 6000 dollars in checking and 6000 dollars in savings accounts that I had and I banked with us bank for 8 years and never had a overdraft or bad check bounce or a negative mark. So I went to withdrawal some money and my accounts had been over drafted wiped clean and shut down.i reported fraud with them and fought with them everyday.i did report them to the XXXX XXXX and they wrote me a check for 6000 dollars.at that time I had no knowledge that my XXXX  daughter XXXX XXXX changed all my information on line ordered new cards and put her name on my account which she did not have permission and neither did the bank. All this happened well I was locked up in XXXX XXXX jail.the bank never seen me or talked to me for my consent.now XXXX was withdrawing a 1000 dollars at a time and the bank dint even think fraud was going on... Like I said I was in great standing and my credit score was XXXX. So I found this paper from the bank stating dear XXXX XXXX and XXXX XXXX to change the legal title on your account. How in the XXXX does this happen? When the bank never asked me, seen me, or talked 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 explanation
Consumer complaint received 2023-07-10
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: Investigation took more than 30 days

Complaint:
I sent a dispute on XX/XX/2023 and didn't receive a response until XX/XX/2023. Which is illegal and violate the credit reporting laws and acts establish. You will remove all mentioned accounts bleow or legal action will be taken to the furthest extent of the law. 15 U.S.C. 1681 states that you must reply and respond within 30 days of received dispute ( XXXX ) and you have clearly blatantly ignored and violated my requests. Ive attached the letters i sent to your bureau!! This is my final response to you which is giving you a chance to cure my inaccurate credit reports. This is what i wrote to you on XX/XX/2023 I Am A natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Account name : XXXX XXXX XXXX ACCOUNT NUMBER XXXX xxxxxx Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX INQUIRIES LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-05
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: Their investigation did not fix an error on your report

Complaint:
Hello XXXX  os a high interest credit card company that hires employess that are not mandetory script to answer correctly to your questions. I spoke to a rep about my accoint being late. They told me that my accou t information was incorrect thats why I was charged a late charge. They said they would fix it and I would be set up for automatic payments. THIS DID NOT HAPPEN I TRIED TO CALL AND NO ANSWER AND I GO ONLINE THERES NO WAY TO SETUP AUTO MATIC PAYMENTS. THE REP LIED OR JUST WASNT LISTENING THEY AGREED TO SET ME UP FOR AUTOMATIC PAYMNETS AND DID NOT. THEY ARE UNPROFESSIONAL THEY RUINED MY CREDIT I NEED THIS UPDATED. ALSO I HAVE LATES XXXXXXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX BANK XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX   XXXX Inquiry : 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 2022-04-15
Company: Experian Information Solutions Inc.
State: FL
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:
There are several hard inquiries that are in my credit that I did not authorize. I called XXXX  and sent letters to get it deleted and still nothing happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: SYNCHRONY FINANCIAL
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is a collection account on my credit report from XXXX XXXX which lists Synchrony Bank as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX funding. Also provide me with the XXXX form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number, then please contact the collection agency and have them remove this account due to inaccurate reporting and the possibility of being taken to small claims court per violation of the FCRA and FDCPA regulations.

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