BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-15
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: Information belongs to someone else

Complaint:
I applied for a home loan and my realtor told me that my credit was not up to par. After carefully reviewing my credit report I have realized that I have been a victim of identity theft. I honestly do not know what to do about it because I am not too familiar with credit. I am not sure how my information was obtained but this is really frustrating for me because I do not know what direction to turn. My loan officer told me to try and file a dispute with the credit bureaus which I have also done along with this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions 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:
I applied for a home loan and my realtor told me that my credit was not up to par. After carefully reviewing my credit report I have realized that I have been a victim of identity theft. I honestly do not know what to do about it because I am not too familiar with credit. I am not sure how my information was obtained but this is really frustrating for me because I do not know what direction to turn. My loan officer told me to try and file a dispute with the credit bureaus which I have also done along with this. Please help me.

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 2023-08-29
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Comenity Bank has committed fraud and deceptive practices on myself by seducing me to apply for their XXXX XXXX account to bolster their own selfish company metrics, then denying me credit approval by providing a false reason for denial. This was accomplished when i accessed the XXXX 's website for my XXXX XXXX account, and the popup claimed pre-approval for a XXXX credit card. This deceptive practice is illegal and ultimately immoral to the general public and must be addressed by the govern bodies of the USA and Federal regulatory agecies. 

Denial reasons were stated as follows : 1. Delinquent or derogatory accounts ( of which i have NONE ) XXXX attachment will verify this. 
2. No recently opened real estate secured loans ( Never heard of this denial reason for credit card ) but i do have a second mortgage 100 % paid each monthly cycle and up to date in all area 's.

3. Too many Inquiries ( yes now i have an extra one due to comenity bank deceptive practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 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 2023-03-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a credit fraud alert on my account. Credit is still being ran and inquiries are being made om my report without my consent or knowledge. 
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 2023-12-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an Account with fifth third bank on XXXX XXXX. I tried to change my direct deposit to the new bank account. My payroll department had not yet verified the bank by the date my payroll check should have been released so I received a " Live Check '' I went to the branch located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The check amount was XXXX. I spoke with a teller, whom was extremely rude to begin with. She proceeded to deposit the check without informing me that there policy states that new deposits are subject to a hold. Had I been informed I would have taken the check to The issuing bank and cashed it. Now after speaking with the branch manager he informed me that the hold will not be removed until XX/XX/23. I was under the impression that Federal law states that XXXX should be released on the account within 24 hrs. until the hold is released. I am not able to access said funds still. I spoke with XXXX who is a supervisor at the customer service center. She informed me that funds should be available Saturday XX/XX/23 and they have no way of accessing the XXXX. I was under the impression that with payroll checks this is FEDERAL LAW. I am now in a situation where my bills are being paid late, which I never do. All of this due to " Confidential Information that check may not be paid '' I have never cashed or deposited a bad check. I Am reporting this because I do not feel like this situation was handled correctly, or with myself as a consumer at heart. I will be looking into legal action for coverage of the loan i had to take to pay my bills on time before accruing late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello there this hard inquiry is by the company XXXX XXXX XXXX XXXX the date that this hard inquiry appeared on my credit report was XX/XX/2022. I have never been affiliated with no have I been to this dealership yet they are appearing on my credit report as a hard inquiry my rights have been violated as this has prevented me from getting future opportunities in the Auto industry. This company is using predatory tactics appearing on my credit report and I have never ever had any affiliation with this dealership whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Phoenix Financial Services LLC
State: FL
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 for several years tried to me to a debt that isn't mine ... .. It has now been sold to Phoenix Financial Services. I have excellent credit XXXX fico and they try to destroy my credit with this fraudulent claim that I owe them {$72.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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:
EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. said company had 4 days according to the LAW to remove such items. FTC fraud report was on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquire was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an e oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Above inquiries appeared on all three consumer credit reporting agencies ( XXXX, Equifax and XXXX ) XXXX 

With the exception of XXXX ( I have both an auto loan and consumer credit card with them. ), I do not have an account nor have ever applied for credit from any of the above creditors. I contacted XXXX ( XXXX ) to inquire why all of these hard inquiries are on my consumer reports. They stated that they were applications for their business credit card. I informed them that I did not apply for their business credit card and to please remove the inquiries. Any applications are fraudulent especially with such frequency. XXXX said they would look into the matter and would make a determination within 60 to 90 days. I asked them for a letter stating this fact so I could forward it to the credit reporting agencies and hopefully expedite the process of removing the inquiries. They said they could not furnish me with a letter. The same situation exists with XXXX XXXX. I contacted XXXX XXXX Bank and they stated that they have no record of me applying for any of their credit products however, a hard inquiry is present on all three reporting agencies. They too said they could not furnish me a letter since I don't have an account and have never applied for one. I have contacted each of the consumer credit reporting agencies multiple times by phone as well as sent letters via USPS and via fax ; disputing the validity of these hard inquiries. In addition, I initiated an internal online Equifax dispute dated XXXX Confirmation number : XXXX which resulted in Equifax " verifying '' the inquiries except for the XXXX ( XXXX ). The XXXX inquiries were removed from Equifax. Equifax also put a fraud notice on my account and mailed me a notice of such as well as informing the other reporting agencies about the fraud notice. I'd like to know how Equifax can verify some accounts and not the others. Such as the XXXX XXXX bank which admits they don't even have an application or account on file but Equifax and the others " verify '' the inquiry. I have demanded that each consumer credit reporting agency give me PROOF of their so called " verification '' and not one has ever done that or even responded to my letters. 

I have also sent letters via USPS directly to the creditors demanding that they take action to correct the problem or be subject to legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed the information on my credit report with TransUnion in 2017. XXXX has not tried to contact me in anyway and has not been able to verify this debt. It still states on my credit report its an active dispute. Please remove since this can not be verified.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: WA
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:
These were company cards, not a personal account. The credit cards were opened by my company XXXX XXXX XXXX XXXXXXXX. Once I closed the business in XX/XX/XXXX, the cards were inappropriately put on my personal credit report. I hired a lawyer in XX/XX/XXXX to contact XXXX XXXX. XXXX XXXXXXXX was not able to prove I was a XXXX XXXX because I was not a XXXX XXXX This amounts to fraud by XXXX XXXX. 

Please note that my last name at the time was XXXX, not XXXX. 

Furthermore, both Experian and XXXX are fraudulently reporting both cards on my credit report as though they are CURRENTLY delinquent, not charge offs from a business over 6 years ago.

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 2022-03-08
Company: CITIBANK, N.A.
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:
There is a hard inquiry from CBNA/citi bank XXXX and I have never applied for anything at Citi Bank XXXX The inquiry happened on XX/XX/2021. Already contacted bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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 belongs to someone else

Complaint:
I am not the owner of the accounts, I wonder how they obtained my information, I never received any correspondence from them, please delete this from my credit reports XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX 11 XXXX   XXXX ) 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 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called on XX/XX/23 to see what Capital 1 could do to help me with my payment. I explained I was injured and missed some work but could catch my loan up this month. I was told by the rep I talked to that he would submit a deferral and as long as I made payment by XX/XX/23 that I would not have any late payments in my history or a hit to my credit. I made the payment on XX/XX/23 as I was told and did everything asked of me. They still reported me as 30 days past due. I have called twice to get this resolved and was told that there is nothing they can do. I asked for a supervisor who could help me and the first time the rep tried to reach someone he flat out told me that they are refusing to take the call. Finally got to someone who was supposed to be a supervisor and she also told me there was nothing she could do and the department who deals with credit reports does not have phones. She said the only way to even being the process of filing a complaint was foto her to mail me a letter with instructions. I did what was asked of me based on what the initial rep told me and Capital 1 did not hold up their end of the deal. The rep lied to me and has probably done so to several other customers with no corrective action or consequences

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: CORELOGIC INC
State: CA
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. Has Violated my rights. 1. Account Name : XXXX XXXX  / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX Account XXXX : # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting 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 2019-01-31
Company: Williams & Fudge, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no contract with this company and no one has ever reached out to me in regards to this debt written or verbally. It is illegal to put something on a credit report without consent and not letting the other party know about it. Furthermore, this debt is unverified and there is no real proof that I in fact owe this debt.

Company response to consumer: Closed with explanation