BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: KEYCORP
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Victim of fraud, Key bank, XXXX  and other institutions, used and complied incorrect information about mw with out letting me make corrections to these accounts that did not seem recognizable. these companies did not investigate this mater as I have a written letter to the data furnishers that the information I had got verified with notary did not match their records, there fore they are resorting to report the wrong information. this led to Injury to my credit report and credit score.

FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I demand KeyBank complies or i will be using all documentation as evidence to show in court I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Vitim of fraud, Key bank did not investigate this mater as I have a written letter from the data furnishers that the information I had got verified notary did not match their records, there fore they are presorting to report the wrong information. this led to Injury to my credit report and credit score.

FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
This a formal complaint that there is inaccurate and incomplete credit information. 
I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : Agency/Santander : XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

FCRA 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
on XX/XX/2021 address has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX this address is undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX, XXXX  AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
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: Public record information inaccurate

Complaint:
In XXXX I reached to the credit bureaus Experian, XXXX and XXXX and public record was removed from my reports i have provided them with documentation showing that this public record was removed from XXXX  and not my other reports

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
in accordance with the Fair Credit Reporting act XXXX Accounts ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, and XXXX has violated my rights. 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

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 2022-11-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
In XXXX I reached to the credit bureaus XXXX, TransUnion and XXXX and public record was removed from my reports i have provided them with documentation showing that this public record was removed from XXXX  and not my other reports

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 2019-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I just got a letter in the mail about the data breach for Capital one. I have a Case no. and I have just still trying to get things straight after the XXXX   breach. 
I want to know why nothing is being done to protect me from this again So now my information is out there for thieves again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 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 2023-10-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In the last week, I have had over 15 phone calls, all with voicemails, from capital one. I'm only about 17 days beyond the due date of the bill. I've also never missed a payment before. The reason for the tardiness is that I began a new job and haven't received my first paycheck yet. As soon as I do, they will get paid, as I've told them. I've also gotten texts and emails almost daily. This is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Barclays Bank is reporting an erroneous account on my credit reports with XXXX, XXXX, and XXXX  that does not belong to me. I have attempted to resolve this issue but Barclays has refused to send me the validation necessary for leaving it on my credit reports,. 

BRCLYSBANKDE 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 2023-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: DE
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:
These companies obtained my consumer report unlawfully violating a plethora of my consumer rights. Not only did they obtain my consumer report unlawfully they are reporting to the credit reporting agencies as inquires. These companies are XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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 2021-09-17
Company: Bread Financial Holdings, Inc.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RE : XXXX - New pertinent info. 

On, or about XX/XX/21 I received an email from Comenity Capital Bank stating that they closed and charged-off my XXXX account then sold the fraudulent debt to XXXX XXXX XXXX XXXX XXXX XXXX despite ongoing litigation. 

On, or about XX/XX/21 I called XXXX XXXX XXXX XXXX XXXX, but the representative I spoke with said, XXXX was not in possession of the account at that time. So, I advised the representative to refuse the account once presented because it is a fraudulent and involved in ongoing litigation. And, if XXXX does take possession of the account, Im going to name XXXX XXXX XXXX XXXX XXXX as a defendant during litigation as well. 

On, or about XX/XX/21 I received an email from XXXX XXXX XXXX XXXX XXXX stating that they had purchased the fraudulent XXXX account from Comenity Capital Bank, despite our previous conversation. 


Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went through a company called XXXX to get my forms for my taxes and submitted it to the IRS. Due to investment loss and gain my refund ended up being XXXX Dollars. The funds were sent to XXXX on XXXX. XXXX sent took out the fee for the software and forwarded it to XXXX  to summit the remaining amount to " my bank '' Somehow, somewhere to wrong account number was put on the tax forms. I learned from XXXX when called to see where my return was. I contacted Capital One, the bank the funds were sent to. I already had a credit card there so I opened up a checking account so they could deposit the funds correctly. I provided them the tracing number of the EFT deposit, the date, the account it was sent to ( which was closed and has no relations to me at all ), my new account number, the amount. They opened a " claim '' after 10 days I received a notice from them saying that the deposit was deposited as per the info sent over. I had already told them this. So, I called probably for the XXXX time at least spoke to a supervisor who said they would file and appeal with the additional information I provided. which i had already provided on the XXXX. I also went back to XXXX who says Capital one has the money and accepted the deposit they can not request it back. However, Capital one had already refused to send it back. Yesterday I got another email from Capital one denying my appeal telling me to go back to XXXX again. I called XXXX and sent a demand letter, which I had also sent to Capital one. They contacted me and said they literally can not request it back. Capital One accepted the deposit that was sent in my name to an inactive account they have the funds. At this point I am being told that basically neither company will do anything. Capital has kept my money and is refusing to deposit it into my account or send it back to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 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