BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Capital One Fraud department called me on Sunday XX/XX/2023 and left a VM that they were following up with me regarding opening up an account. Capital one also called my mother and left the same VM. The card is a credit card. On Monday XX/XX/2023 I called Capital One Fraud department and they advised that someone fraudulently completed an application in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
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: Old information reappears or never goes away

Complaint:
Transunion, LLC. 
This credit reporting agency has at least 6 inquiries on my credit report which are past two years : XX/XX/2021, XX/XX/2021, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX. 

They are showing public records which were DISMISSED. In the Court of law, this means the Judge did not adjudicate nor was it accepted by the US Bankruptcy Courts. 
XXXX XXXX and XXXX. 

They show XXXX XXXX XXXX XXXX  with no amount owed and no late payments. No dates. 
Transunion shows XXXX XXXX XXXX this has been disputed with the company and validation has been requested. However, XXXX is not reporting it after I disputed it with them last year. XXXX is not reporting it. 

XXXX XXXX XXXX. XXXX this is not may account. It was disputed with your company as XXXX XXXX. Transunion removed it and then placed the same account back on Tranunions under XXXX with a collections agency. ( A Validation should be given ) I would like for Transunion to handle this matter within the CFPB platform. They have not Validated all of these accounts. The companies in the validation should show my corrected Name, DOB, SSN, and Home Address, and show proof I signed electronically for the accounts. I am requesting Validation. I am not requesting bills this does not show proof the accounts are mine. 

I have declined a Housing loan because of the reporting with Transunion. I do give Consumer Financial Protection Bureau access to information on this platform for dispute. 

This report contains some of the same requests and concerns since the last year XXXX. When it comes to Bankruptcy 7 Years with a discharge depending on the Chapters. I have not had any court hearings. I have not seen a Judge. This information is to be removed.

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 2021-07-07
Company: Experian Information Solutions Inc.
State: IL
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 been trying to dispute 2 bankruptcies on my report. Chapter XXXX file number XXXX and XXXX XXXX file number XXXX. Experian sent me a letter back saying the information was verified by the bankruptcy courts. I have a letter from the courts advising they do not give that information to the credit bureau. I sent that information to Experian and guess what. Instead of removing the files of my report, they just updated my dispute and said it has been verified. I have attached the paperwork below. How is this verified and the court advised they did not provide you the information. This has been going on for months now with Experian and now, they just flat out lied again instead of deleting the information. Now when calling and I enter my social, they send me to a fraud department and I can not get an agent on the phone. They are violating the FCRA and my rights. I have proof they did not get the information from where they say they did.

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 2022-02-09
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:
some violations were made according to the FCRA due to wrongdoing of safety procedures. 


XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX XXXX XXXX, SCXXXX ( XXXX ) XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance - XXXX XXXX XXXX # XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XXXX XXXX, XXXX Balance {$890.00} 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 2023-02-28
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has admitted that they DO NOT have my signature or consent to view ANY of my private health information. 

Please advise that withholding FULL documentation ( including SIGNATURES and my consent ) you received from any medical provider in an attempt to be HIPAA compliant is a violation of FDCPA. 

Please advise if XXXX XXXX is not removed from my credit report IMMEDIATELY I will seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last year I discovered a false accounts with XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but these accounts have denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TN
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 CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I pulled my consumer report and noticed several non mailable addresses and other incorrect personal information. To ensure I receive all mail from the United Postal Services, heres my corrected address XXXX XXXX XXXX XXXX, GA XXXX as all others are not reportable as per the FCRA, since they are inaccurate. I do not desire a phone number be listed My name should also read : XXXX XXXX XXXX, My Date of Birth is : XX/XX/ My employer is : XXXX XXXX XXXX My Social Security no. : XXXX Remove any and all other information to relinquish all identity theft claims as the information you are reporting is not mine. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-11
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
In XXXX of 2019, my wife and I purchased a new house. In order to get the mortgage, we had to settle our dispute with XXXX XXXX. We paid XXXX XXXX and submitted the letter showing payment in full to the lender. 

I also supplied that letter to all XXXX credit bureaus, Experian is the only one that hasnt removed it. All XXXX Bureaus have removed it from my wifes credit and she supplied the same proof of payment My XXXX XXXX on Experian is XXXX lower and no matter what I do, it never gets higher. 

I have written documentation I can provide showing payment in full of this debt.

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 2022-11-25
Company: Experian Information Solutions Inc.
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:
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 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  has violated my rights. 

15 U.S.C. 1681 602 : ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681b ( a ) : Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681c ( a ) : No consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1A ) Reporting information with actual knowledge of errors. 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 2023-08-04
Company: EQUIFAX, INC.
State: AZ
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I was XXXX XXXX from the military and going through a divorce. With my finances changing drastically, I contacted Wells Fargo about modifying/refinancing my mortgage but they said no. I did not start falling behind on payments until a year later and again I tried to see if there was someway they could help my situation and again I was denied. Soon after, they sent a notice of foreclosure. Trying to avoid this, I thought I was getting assistance from a company that helped with foreclosures but they turned out to be a scam and took {$2000.00} from me. In XXXX Wells Fargo foreclosed my home. I suffered with XXXX and anxiety and my kids also suffered. I recently called to see if I was owed anything from the class action lawsuit and was told if I'm not contacted by XXXX, to call back. Wells Fargo has no correct contact information for me and did not ask for it. The representative said " don't worry, Wells Fargo will find your info ''.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} MACYS/CBNA XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX XXXX  my phone got stolen, and all my Chase bank accounts on the phone got compromisXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXunts. 
The next day I bought a new XXXX and restored the data, but I couldn't access my chase bank accounts because it was blocked. 
2 days after, I had to go personally go to Chase branch and close all the accounts, and we opened new ones, and I realized that XXXX unauthorized transactions were done on XX/XX/XXXX. I filed a dispute with the bank on all XXXX unauthorized transactions, they approved XXXX transactions, and the third one was a XXXX transfer for XXXX, were denied. 
They stated that this transaction was authorized and it was used from the same device and they asked for police report. 
I provided a police report and I explained that my XXXX XXXX XXXX  was stolen and the transaction was used from my old phone. 
I replaced my phone the next day and bought XXXX XXXX and I had to restore all the data on it, using the same number but a different device. 
I kept escalating the claim and trying to explain what happened more than 4 or 5 times, and they kept denying the claim for the same reason. I don't think anyone in the claim department at Chase took a deeper look into this claim, they approved the other 2 claims but they keep denying it without explanation. 
It's most of the money I had with the bank, and it was a fraudulent transaction transferred to an account that is totally unknown to me, they didn't provide me who are the people that the money are transferred to, they should have the information on the account, and I've been struggling with this {$5000.00} loss for the last few months, and they keep refusing to give me my money back. 
I have more information and all the evidence to my statement if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a entry from XXXX on my credit report from Experian. Notation says that the account was open in XXXX, but there is no payment history on the report for a 4-year period, from XXXX to XXXX. 

I have written Experian about this several times, and also called in to have an investigation done., to no avail. 

I am requesting that XXXX be deleted from my report for inaccurate and incomplete information.

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 2023-03-08
Company: Experian Information Solutions 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:
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 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