BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX of XXXX I had a XXXX. Because of that XXXX I had multiple care takers coming in and out of my home to take care of me and help me. They had access to my credit cards, personal information, and mail. In XXXX of XXXX I found out that one of those people used all of my existing credit cards and opened many more without my consent. I contacted all three credit bureaus. I filed reports with the Federal Trade Commission per the advice of the police because they did not take a report because there were so many unknown people who helped with my care and I did not know who did it. I was able to resolve 13 of the fraudulently used or obtained accounts by sending them the federal trade commission report, a copy of my license, a copy of my social security card, a copy of a utility bill, a notarized identity theft affidavit, and letters from other creditors that were effected and resolved. 7 credit card companies continue to refuse to remove the accounts affected by this identity theft although I have contacted them multiple times sense XX/XX/XXXX and sent all the documents listed above multiple times. I contacted the federal trade commission to see what I could do to resolve this and they told me to file complaints with Consumer Finance protection agency to finish getting this identity theft issue resolved to have my credit report updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
FICO scores are affected by the following : Lack of recent installment loan information FICO Scores consider recent non-mortgage installment loans ( such as auto or student loans ) information on a persons credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans. 

As a consumer who pays off debt ; mortgage and Credit Cards early, one is subject to a type of " CREDIT '' discrimination that ultimately weighs on ones FICO score. This impact is always going to be a factor for us, since we are over XXXX, paid our debts and will continue to pay credit cards off early and not in need of another mortgage and if we take out a loan, we pay it off early, sometimes in a matter of days. Two such auto loans taken out with the XXXX ; XXXX XXXX XXXX XXXX XXXX, were loans for less than 30 days yet impact our FICO score as a hard hit. Both of these items will impact our FICO score for the next 10 years or maybe my lifetime. As a senior, paying ones debts should be a plus and not counted as a minus. Experian has dropped our FICO from excellent to good when it should be a perfect score. Being old is not fun and being discriminated against for not having any debt is deplorable. All three credit agencies need to update their system and encourage pay on time, pay off consumer loans and mortgages and show that as a plus instead of a negative.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 just started to look more closely into all three of my credit reports and I noticed a lot of negative and false information and accounts on all three that are not correct. Starting with Transunion credit reporting I have XXXX hard accounts that are against that report and XXXX soft accounts that are affecting my score as well. I have tried to send letters to them stating that they were going against the FCRA codes, the exact codes they are going against is 15 USC 1681 Section 604 as well as 15 U.S. Code 1681n ( b ). Those account amounts that are affecting my score is {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$6500.00}. Everything I sent them proving this violation came back as verified and they would not help me fix them. Now, going into XXXX credit reporting I sent the same letters and the violations they were going against which are the same laws as stated above for transunion and they all came back verified as well. Those amounts that are affecting my report for XXXX are {$2600.00}, {$500.00}, and {$200.00}. Lastly, XXXX  is going against the same rules as stated with the other credit bureaus and all came back verified as well. Those amounts that are affecting my score are {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$8.00}. I have sent letters to all three bureaus stated above with the account amounts and the laws against them and nothing has been done about it. I am just trying to get my credit score up to buy a house for the first time and be able to eventually get a loan or credit card. I have XXXX small children and just went through a terrible divorce and just want all these items fixed immediately so I can move on with mine and my children 's lives,

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-05-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I am paying for Credit Monitoring, Fraud Alert, and Score services from Equifax.I have been paying for this service for over 10 years now so I never thought I would be involved in a breach of my information. In XXXX XXXX XXXX my personal information was stolen and now I am victim of theft and my credit report was fraudulently used with out my permission. Equifax service is supposed to protect my consumers report and notify me if any person is inquiring information of my identity before allowing any access to my file. I don't recall giving any mortgage company called XXXX XXXX or XXXX XXXX my permission to pull my credit report. I spoke to the highest level of Equifax as she stated she is the Supervisor of Office of Consumer Affairs. Her name is XXXX, ID XXXX XXXX on XX/XX/XXXX from XXXX XXXX  - XXXX asking her to correct my consumer 's report. I explained that I sent in my Police Report, Drivers License, Social Security Card, Utility Bill, Credit Report, Letter of Explanation in XX/XX/XXXX, I also mail my documents in on the same day. I was stilled denied removal of these fraudulent inquires. I also explained that I have there service to protect me and they have not done there job of protecting my consumers report. I am requesting that these two inquiries be removed from my consumer 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 recods of convictions of crimes which antendates the report by more than 7 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 innacurate.

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 2022-01-11
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:
The account was reported late on XX/XX/XXXX for the month of XXXX along with the wrong balance.

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 2022-05-31
Company: Experian Information Solutions Inc.
State: TN
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:
The credit bureau stated XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX, XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX US DEPT. OF EDUCATION/XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal. They also violated my rights under 15 U.S.C. 1681 section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my right 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-02-06
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Wells Fargo cpi lied about the questions they sent. One of? What financial affect after car repossessed. I was sold a lemon car. I was a victim of fraudulent bank sales by Wells Fargo. How could they approve me if my husband truck was just repossessed my name was on the loan. I stated extremely hardships that me, husband and XXXX & XXXX yrs daughters lost our home & jobs. We were sleeping in my sisters borrowed car during heatwave risking 99.9 % of our lives, sleeping in my sisters bedroom in the floor where lots of roaches were. On XX/XX/20 I called executive auto office Wells Fargo to check about status on my check and the lady started yelling at me very rude telling me to stop calling. She mentioned to me that there was another check issued to me. I never received. I also got this letter from executive auto office Wells Fargo. It was a weird one I responded and left several messages and never returned them. Wells Fargo Administrator lied and lied to me. I dont deserve this Wells Fargo owes me a lot more. Please help me get justice from them.

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 2023-07-19
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 the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX # 4899 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.C1681c. ( 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 ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: MI
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 list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 recods of convictions of crimes which antendates the report by more than 7 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 th
at the information is innacurate.

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 2022-08-14
Company: SANTANDER HOLDINGS USA, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for a Santander Checking account this year that contained a promotional code to get a {$500.00} Bonus. I met all the requirements, and had not received the bonus so I made a few calls to their customer service to inquire about it. On the first call ( made XX/XX/XXXX ) Santander opened an inquiry for me ( # XXXX ), and on the second call ( made XX/XX/XXXX ) I was told I did not receive it because I had an account with them in the last 12 months, which is incorrect. I closed my prior account on XX/XX/XXXX which is over 14 months prior. I inquired what date they had my closing date for my previous account and the customer service rep said there was nothing she could do, refused to inquire further and hung up on me. After reading the fine print, it's clear I've met all the requirements as far as opening the correct account type and applying the promo code, having at least a {$25.00} direct deposit, meeting the date requirements, not having an account open with Santander in the prior 12 months, and having {$8000.00} of employer direct deposits within the first 90 days. I'd simply like Santander to uphold their word on paying out their bonus.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have repeatedly disputed a debt that XXXX has sold to multiple collection agencies. The information is incorrect and the companies that keep selling to one company and another without having any verifiable information keep reporting the information as accurate. The credit reporting agencies keep reporting this information without requesting verification. I keep having to dispute this information and have it removed and a few months later the information is sold to a new collections agency only to have it re-reported. The new collections agency is XXXX XXXX XXXX which I have NO Business contracts with.

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 2022-09-12
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation