BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
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:
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 XXXX XXXX XXXX. 

XXXX  XXXX Bankruptcy XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX Card Services Account # 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 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 explanation
Consumer complaint received 2022-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I open several accounts at capital one and 2 weeks later they closed My accounts for reported fraudulent activity on a XXXX XXXX with is XXXX  XXXX XXXX. I spoke to XXXX  XXXX XXXX to let them know it wasn't me who open up the 2 checking accounts now they are sending me some Gforms that I have to fill out with a pice report so they can take care of What's going on. Also a couple of people has been trying to open an account with unemployment as well as shopping on line with XXXX XXXX and XXXX They really messed me up please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: MO
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 have already sent a letter to the XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/XXXX requesting a verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX Balance Owed : {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
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:
Account number XXXX Reference number XXXX According to the fair Credit Reporting Act Everything has to be 100 % inaccurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating an account was removed but the bureaus say its accurate. This is grounds for removal. 

Thy also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt I did not give anybody 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 explanation
Consumer complaint received 2022-12-07
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: Their investigation did not fix an error on your report

Complaint:
I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : 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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 fair credit reporting act XXXX reference number 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 a account without my written instruct.ion

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 2021-12-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
DO NOT USE TRAVEL THROUGH CHASE Nothing but a headache and frustration XX/XX/17 XXXX noticed a travel through chase option and tried it for the first time. Chase customer for over 10 years. Booked flight to XXXX with reservation number for XXXX $ outbound and XXXX $ inbound. 

XXXX XXXX XXXX cancelled the flight I chose and rebooked it to another flight without consulting me. Unfortunately it did not work with my schedule. Contacted XXXX XXXX for a refund or credit but was directed to chase since I booked it through Chase. XXXX XXXX could not help. I called chase and had to speak with multiple people until I could get credit for XXXX XXXX. It was unnecessary of the number of phone transfer and agents telling me I couldn't get a credit until one finally helped. 

XXXX Trying to rebook flight to XXXX XXXX Since the flight was purchased through chase I have to go through chase travel again to use my credit. In order to book the flight, I had to do it through a virtual chat assistance. At the end there was a XXXX $ difference and was asked to pay in order to book the flight. When the transaction went through my credit card the virtual assistant stated I needed to call chase regarding my situation. The flight was not booked yet I have a XXXX $ charge pending on my credit card. I called the number given and spoke to person # 1. Person # 1 stated that she could not do anything after asking me for my name, date of birth, zip code, and credit card number for verification. I asked person # 1 to transfer to a manager. Manager connection was lost on the phone, there was silence and no response after giving her my verification information. I was re-routed to person # 2 who also asked me for verification. However, this person asked for my social security number. I told him I did not want to give that and i can provide other verification. He continued to state that was the only verification allowed and sent back to the holding line. The automated message stated it was a 10 minute wait for the next representative. I have not received an email yet and it has at least been 30 minutes since booking the new flight through Chase ; however in my " trips '' under travel with chase it does show a booking for outbound to XXXX with a confirmation number. 

This is the worst " reward program '' /chase benefit that makes me not want to be a chase customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-20
Company: SECURITY FINANCE CORP
State: IL
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 applied for a loan with Security Finance in XX/XX/2018, in which I fell behind on payments. Since I have not applied for any credit or submitted any applications, nor have I gave them permission and the company has had 7 hard inquiries on my credit report. According to the FCRA : Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose to do so. If someone pulls your credit report for an impermissible purpose, then it may be a violation of the FCRA.

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 2022-12-07
Company: Experian Information Solutions Inc.
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2021-01-22
Company: EQUIFAX, INC.
State: NC
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 AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and i am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX. XXXX, XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/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 2021-12-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 30 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 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-23
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I was cold called by a LoanDepot rep, XXXX XXXX, about a HELOC loan. I had been interested in a HELOC in the past but spoke with a few local banks who said my type of income, notes receivable, required 12 months of history to be accepted as income. 

I told this to the LoanDepot rep. We discussed the income situation and he said they did not need 12 months history and this form of income was fine for a HELOC. He then passed me on to another rep, XXXX XXXX. This rep was incredibly pushy and combative when I questioned their ability to accept my form of income. He confirmed it was fine. I didn't like dealing with this rep so I ended the conversation. I was subsequently emailed by a 3rd rep, XXXX XXXX. This gentlemen also confirmed my income was acceptable for underwriting after an almost 30 minute conversation going over every detail. I submitted an application and supporting documents to this rep. 

I was then passed along to a different mortgage rep who called me everyday asking the status of a few different documents. I don't remember this guy 's name because it was only phone calls. Then I was passed along to a 5th and final mortgage rep, XXXX XXXX. 

After several weeks of providing documents the loan was almost complete and the 5th mortgage rep confirmed my income was verified by the underwriter. LoanDepot contacted my homeowners insurance company and had them named as a mortgage lender on the policy on XX/XX/XXXX. My rep said I would getting documents by the end of the week to have notarized and the loan could by funded in early XXXX. 

On XX/XX/XXXX I was notified that underwriting had rejected my form of income and that they required 12 months of history to verify the income. The same exact standards that the other banks told me, except their mortgage reps told me on the very first call instead of wasting 45 days and a hard credit check. 

The lesson I learned was all of those mortgage reps were lying salesman. They had zero authority to confirm that my income was good to go for the HELOC. The 5th rep I worked with seemed OK, but the rest flat out lied and told me directly that I was solid just to get me to move to the next step in their sales process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2020-05-26
Company: Experian Information Solutions 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:
I sent a letter a month ago, got no reply so i sent another letter by certified mail to try and get these inquiries off my credit report. I still havent heard back 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 2023-03-26
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a seruced credit card with First Progress with a {$200.00} limit I had to give a security deposit of {$200.00} dollars before using the card I cancelled the card and was told that the deposit was suppose to be returned in 90 days the card was cancelled XX/XX/XXXX and the money was suppose to be mailed to me and it never came I call the company back on XX/XX/XXXX about the deposit and was told that the check was returned back to them by the post office so I gave First Progress another address to send the deposit to and I was told that it would take 30 days to update the address and a check would be mailed out afterwards and I still didnt get it I called back to see why I hadden gotten it i asked what address it was sent to and was given the old address I ask to speak to a supervisor and was told that one wasn't available I have waited 5 months on my security deposit and havent gotten it and each time I ask for a supervisor am told XXXX isnt available and I have updated my address with them multiple times and Im always given the old address when I ask about what address are they going to send the check to the address that the check needs to be sent to is XXXX XXXX XXXX # XXXX XXXX XXXX Tx XXXX but they keep telling me the address that the check will be mailed to XXXX XXXX XXXX XXXX Tx XXXX and I have given them the new address time and time again I dont see were the difficulty is coming in at this is simple

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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:
THIS IS MY 2ND SUBMISSION FOR A COMPLAINT. I HAVE ATTACHED DOCUMENTS PROVING MY ODENTITY AMD THAT I AM THE ONE THAT IS DISPUTEING MY INFORMATION.NO OTHER PARTIES INVOLVED.I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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