BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 Capital One Auto Finance has accessed my credit report on 3 separate occasion from XXXX, 2 separate occasion from XXXX and 2 times from XXXX. I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit. The bank should have attempted to contact me and not pull my credit 7 times in less than 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, my name is XXXX XXXX and I am a victim of check fraud. I seen a post someone put on XXXX about a job for XXXX an hour data entry online am I was so excited to get off government help and start working I was oblivious to the signs. Fast forward she send me a check through email and says for me to print it out and mobile deposit it, send back XXXX and keep XXXX so I do but before I do I check with my bank to make sure the check is real. I call the on XX/XX/2023 at or around XXXX they assured me that if the check deposited and completed that Im okay and my bank wont be negative well he lied to me it take me about 7 days to fully go over a check and see if its fake or not when our economy has evolved and technology SHOULD be able to detect that as soon as I deposited it but it didnt now Im negative XXXX in my bank account. I got the messages and everything of the transactions I feel like Im being treated like a felon, like this was my fault and it wasnt because if XXXX XXXX wouldve told me to wait to see if its real educated there customers on fraud I promise I wouldnt be in this situation Monday comes and I call, show them the text messages and they put my account on hold until I can pay those funds. My thing is if I AND the bank was educated on how checks process and fraud works I promise I never wouldve sent that money to them, never mind that even deposited it in the first place. I start looking online about check fraud and find out if you print it out its fake and if I wouldve known that information I wouldnt be in this mess. Im distraught, I thought I was getting a job and I get scammed on top of that Im being treated as if its my fault because I deposited a second check but I deposited that check on sunday around XXXX XXXX before they overdrawn my account on Monday to XXXX and even though I was suspicious and took my money out in the back of my head I was like well the bank told me it was real and Im okay so Im going to deposit it when I looke it up and it says checks drawn on a Santander account XXXX is available the next business day and all other checks have to wait 6 days and my check wasnt a Santander check. If I misunderstood that Im sorry but if you can help me Ill really appreciate it Im going to everybody I can before I take it to the authorities.

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 2023-07-31
Company: LEXISNEXIS
State: AL
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. 

The letters are stated with items and issues. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 items 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/block any items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX US DEPT OF ED/XXXX  XXXX ... XXXX {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$2200.00} ; XXXX XXXX .... Balance : - ; XXXX XXXX XXXX ... XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$670.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$7300.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXXXX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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 an alleged 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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My credit with you seems to have been hacked. While reviewing my data, I found numerous files that did not belong to me. Due to my meticulous study, I discovered that you are obligated by law to terminate and block any account that is determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records as well as the bank 's ( learned through more research both parties require ). Remove these files immediately. If you believe there is a chance that these accounts belong to me, I will need all supporting documents bearing my signature ( according to another research item I discovered, you must confirm each account is 100 % real, exact, correct, complete, and VERIFIABLE ). Please be aware that I will take legal action if you don't offer any records while saying the item is confirmed. Both my attorney and I do not enjoy gaming. Therefore, abide with the law so that this situation may be resolved quickly.

The challenged items were opened without my knowledge or agreement, in accordance with Fair Credit Reporting Act Section 605B, so kindly erase them.

Enclosed are the following : A copy of my Identity Theft Report and Proof of my Identity A copy of section 605B of Fair Credit Reporting Act, which requires you to block the Fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that 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 2023-11-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: In progress
Consumer complaint received 2023-11-18
Company: Experian Information Solutions 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: Block, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2023 I send XXXX to a friend it came back canceled cash app was suppose to refund it that Monday and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good day, I had XXXX XXXX XXXX XXXX  at my home for more than 6 years. The system was plagued with issues, from blank panel screens to no images being captured despite persons entering and leaving my home and yard space. It became untenable during the pandemic when we were mostly shopping online. I had my delivered parcels stolen regularly and I had no proof of them being removed, despite the fact that I have a XXXX XXXX XXXX  that covers my front yard and part of my neighbors on both sides. Each time I complained to XXXX customer service they would read from their script and tell me to ( 1 ) shut down all power to my home from the main panel ( I have to go outside to the main electrical panel to do this ) ( 2 ) They would tell me to go outside to the door bell and give me instructions to press and report the lighting colors on the door bell to them ( 3 ) They would required me to get a screw driver and instrut me on how to remove the panel cover and perform the instructions that they would provide over the phone from their script. 
I am not a yong person and I am not inclined in these areas or skills. I became frustrated with these tasks and they gave me the option of paying for a technician to come to my home to perform these repair work. Problems usually return within days or a few weeks. 
In XXXX of XXXX, one morning I wok up and my property that faces the doorbell camera was removed from my premises and there were no images captured by that camera for days including that morning, I was livid. I spent 45 minutes on the phone on XX/XX/ until I got a representative. I told her that I wanted to cancel the security service that they provide at my home, effective immediately. They told me it could not be done that way, I have to send a written letter requesting cancellation and wait thirty days for their cancellation process. They text me their email information with instruction for cancelling the service. I came home from work and did as I was told. 
I never received an email or letter from them in respose to my request. On XX/XX/, my husband and I obtain securty service from XXXX, which has been providing effective monitoring service to our home. XXXX has been billing me continuosly even after my cancellation request and the 30 day they told me that they needed. Their useless equiptment has been sittin in a box at my house since it was remove from my walls by XXXX on XX/XX/. Please have the cancel these bills and do all that is need to clear the negative reporting from my credit report. 
Thank you in advance for your review and assistance in the resolution of this matter. 
Regards. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX is collecting behalf of XXXX. However, the XXXX account in question was a business account under an LLC. The service agreement attached names the LLC as the customer ; not myself. The bills ( also attached ) names the LLC. I was the manager on the account and NEVER once gave my personal SSN to XXXXThe service agreement has LLC as the Customer and the bills also reflect that same account number. XXXX requests an account manager which is what I was, which is why my name is on the bills ( not the service agreement ). The LLC was closed and the XXXX was also closed. 

This remaining balance, XXXX  claims, is inaccurate nor is it my PERSONAL responsibility to pay. XXXX has not put this " collection '' on all three of the credit reports which is wrong. I have disputed this three times with each bureau and no additional information was provided by XXXX. XXXX also never attended to reach out to me prior to putting this on my credit reports. 

Furthermore, these predatory and illegal practices is unacceptable. I don't know how XXXX or this collection agency got my SSN information when I never provided it.

Company response to consumer: In progress
Consumer complaint received 2023-07-25
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I attempted to make a purchase of three Tickets on PayPal using a XXXX XXXX XXXXXXXX linked to my PayPal Account for {$2500.00} for tickets from XXXXXXXX XXXX XXXX XXXXXXXX decline the transaction, but it was put through by PayPal without my Knowledge, not knowing that said charge was made I purchase the tickets on XXXX XXXX on XX/XX/2023, for {$2100.00}. 
I only became aware of the PayPal transaction when I login to my account a month later. 
I haven't received the tickets from XXXX, so I disputed the charge with PayPal, but my dispute was denied.

Notwithstanding PayPal Policy states that if a customer didn't receive the item, it would be covered under their purchased protection policy.

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 2023-07-24
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
to whom it concerns, I have moved over the last few years because of harassments in local area. 
After being over charged and given outrageous premiums for insurance, I questioned what sources they are looking at and I was told lexisNexis out of XXXX GA. 
I contacted them out of concern and they told me they can only do one thing and that is to send me a copy of my report.

When I received the report i was in shock, they have been keeping data on me and sharing personal information on me for 30 years. 
This can not even be legal. This looks like a life time social credit score on me. 
I want this information taken off their records and allow them to keep the legal amount of years which I believe is 7 years. 
Please advise me how to go forward and receive fair treatment by insurance and other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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