BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I gave Capital One {$250.00} to get a secured credit card. Filled out the application was approved, gave them my deposit. No ID required. 

I tried using the card and they said I have to send them proof of ID to use the card to access my deposit I gave them. I told them I don't have ID. I told them to cancel the card and give me back the money to me. They said they can't do that unless I produce ID. 

I'm basically a homeless Veteran just trying to get a card I can use to buy things rather than carry cash. I don't have any ID. I don't need ID in my day-to-day life. I told them it's like voter suppression, no ID no vote. They hung up on me. 

I just want my deposit of {$250.00} back. I don't have a home, car, job, or ID. I just have a po box to get mail. 

I did not need ID to get the card why do I need it to get my money back. I never was allowed to use the card either. 

There are a lot of people like me who dont have ID. We're not up to no good, it's just how we want to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, 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:
This company, XXXX XXXX is reporting a delinquent loan in the amount of {$5500.00} on my credit report inaccurately/fraudulently! I have spoken with this company numerous times regarding this and they advised that there was also insurance purchased with this loan that pays the monthly payments on this loan if a person loses their job or any other reasons it cant be paid. That also did not happen and was a lie! I then spoke with a lady at this company and she very rudely stated to me that since I dont have anything else to do throughout the day, that I can call them and send them certain documents that I did not have! This company has been very inappropriate and disrespectful to me! They are inaccurately reporting this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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:
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to the below parties to release my medical information to a third party. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-24
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have recently discovered a debt on my credit report that was posted without my prior knowledge or consent. This unauthorized entry has raised significant concerns for me, and I am now actively working to investigate and rectify this situation to ensure the accuracy of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am now escalating this concern because the same inaccurate and incorrect accounts were still being furnished on my credit report. 

XXXX XXXX XXXX - XXXX { Date Opened : XX/XX/XXXX XXXX XXXX XXXX - XXXX { Date Opened : XXXX XXXX } XXXX XXXX XXXX  - XXXX { Date Opened : XX/XX/XXXX } I am really disappointed because I never even received a response from these credit reporting agencies. These accounts kept appearing on my credit report. It is so unfair that they are continuously reporting such inaccurate items on my file. 

One of their reported inaccuracy was this Account : XXXX XXXX XXXX - XXXX which appears to be current on TransUnions side, yet XXXX and XXXX report shows a one-time 30 days late. Im wondering how they got such information where in fact they were getting that details from one source. How come Transunion has reported the account current and other credit bureaus has incoherent 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 non-monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-05-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I placed an online order with XXXX XXXX XXXX on XX/XX/2022 for the amount of {$400.00} + {$15.00} express shipping = {$420.00}. When I got to the payment page, they instant messaged me and said only XXXX payment accepted. Hesitant but I authorized the XXXX payment ( direct debit from my checking account ). Then the company stopped responding, phone # on webpage either says unavailable at this time or I get an answering machine for which I have left several messages requesting a full refund. I contacted my bank ( JP Morgan Chase ) since the chase mobile app offers zelle payments. Multiple calls and multiple branches of Chase, they can not help me the funds are instant and they can not recover them. I contacted XXXX and can not speak to anyone so I filled out the customer complaint / help form and have not heard back from them. All contact info for the ammo shop are either not responding or disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My complaint doesn't exactly fit with the descriptions that are available, but I think it's valid. The complaint i have is around inaccurate information being released as part of my credit report. Specifically, when it comes to credit utilization. I fully understand that credit card companies have the right to lower credit limits but when that new number is reported to the credit reporting agencies it causes a cascade of inaccurate results. The key to note is that my utilization hasn't changed so when the credit companies ' lower limits they are in fact influencing the utilization score. Example If I have a card that had a {$10000.00} available credit and I used {$1000.00}, a year later the cc company decides for whatever reason to lower it to XXXX, I've gone from a utilization of 10 % to a utilization of 66 % but the argument stands I didn't utilize 66 %, the credit card company created this utilization and now the user has to deal with the consequences of inaccurate classification and reporting. Which typically lead to other creditors reviewing utilization and deciding they will lower available credit to similar levels, and it just keeps going. I've had this happen a couple of times, and I never fault the creditor it's within their right, but " my utilization '' needs to be the factual number of my use with the credit that I had available. Additionally, I already know Pay down your card to get your utilization percentage back, that still doesn't change the fact that my credit score can be impacted by arbitrary actions a creditor can take. It doesn't change the fact that my utilization score can be manipulated by the creditor and as such is not a true representation of my actual use.

Company response to consumer: In progress
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: KY
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: CARS Acquisition, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Im a couple mth behind due to XXXX laid off and me being XXXX I got the boot first because I made less hours already plus I was getting surgery done so they thought it was best. Shortly after surgery my roof at the star club apartments collapse on me and my wife send me into a deeper recovery. After coming out of recovery I was asking for a little more time to make it up I promise I could have and still can just with a little more time before selling my car today Im pawning and losing a lot just to keep my car and just need a little more time its XXXX I owe but they only gave me a week after recovery to come up with it witch sends me into a panic and then XXXX Im XXXX and need the car to get to my doctors appointments and my daughters ima single parent now and coming back from recovery this isnt wat I wanted this is all I truly have since all the roofing collapse on are stuff and ruined to where we are suing the apartments because we try to tell them but nothing got back to us now Im losing the only thing that helps me get around to make money to just for the car not only that but most of my belongings are in there my clothes my shoes my daughters stuff plus my wifes wedding rings and if they cant give me my car or time to pay then I would like my valuables but much more meaning to my XXXX yr old daughter she hasnt had her bear for so long and her crying still hasnt stopped from the time of sleep till morning all Im asking for is time or my families stuff Ive been having seizures back and forth on this I just need it to end plz help me ASAP today if possible My car is already reposed and in there words would be in storage for long Im stressing this out to the point where my XXXX are coming back uncontrollable due to losing so much already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: LA
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:
Experian Credit Reporting Company has violated the following Fair Credit Reporting Laws ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 

( a ) In general Subject to subsection ( c ), 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.

( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Experian reported accounts on my credit report without written consent from me the consumer and violated my right to privacy.

Experian is reporting adverse information on my credit report which is not allowed by law.

Experian is reporting this information on my credit report with knowledge of errors and inaccuracies.

Experian is reporting the following information breaking these laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-06
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received my latest credit card statement from XXXX XXXX which appears to be affiliated with Comenity Bank. For the past year or so I have had a check sent from my HSA provider to XXXX to pay off the monthly bill since this line of credit was opened for a XXXX XXXX XXXX Everything had been going fine besides a few late charges because every now and again they wouldn't receive the check in time even though it was sent the same time every month but this last check for the month of XXXX sent out on the 1st of the month from XXXX, my HSA provider, was never received or applied to the account. 

Now when I call and finally got through to a customer service representative, they could not locate the check even after I provided a check number and date it was sent out. The rep insisted I give him my banking info instead to make up for the missed payment in XXXX. We went back and forth trying to resolve my issue, I never gave my bank info, and the call ended with the rep saying he was going to transfer me to his manager and then disconnecting the call only to call back and get the same message I had for the past 1-2 weeks saying try back they are having prolonged system maintenance. 

Now this contact was made on XX/XX/2022, and that was the first time I had a chance to speak with anyone OR login to my online account due to what they are labeling system maintenance which it very well could be. But for about 1-2weeks I had no way to check my balance, speak with a rep or fix this now accrued late fee. 

I tried calling back today XX/XX/XXXX, and the message is still there that they are experiencing prolonged maintenance and now the website is even back down, and I am unable to access any part of my account. 

My XXXX HSA check has been sent and I have notified XXXX of my issue but have no way at this time of knowing whether this is a one-time mistake on XXXX part or if I need to cancel all future payments. 

I have no way of contacting XXXX and am worried the late fees will keep getting racked up and start affecting my credit score. Can someone please advise on how to proceed? 

Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Reporting company used your report improperly

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT. The List of account ( s ) below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. PORTFOLIO RECOVERY - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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.

This company responded to the last complaint with out providing proof of written authorization and is Illegally using my credit report. I demand proof that these account ( s ) are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have 4 accounts that have been unverified and was requested to be removed by the 3 credit bureaus ; Transunion, XXXX, and XXXX. I have sent 2 letters asking for proof of validation with ( According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ) I have received no such proof! I sent letters out in XXXX, and XXXX. 

These collection accounts are also not reporting accurately. How can all 3 bureaus be reporting the same collection, but 3 different account numbers WITH ONLY XXXX If after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

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