BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-10
Company: General Motors Financial Company, Inc.
State: SC
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 bought two vehicles with two trade ins. This was at XXXX XXXX in XXXX  XXXX. I bought a vehicle in my name on XX/XX/2020, and a vehicle in my fiancs and my name on XX/XX/XXXX. Any how I have been having many issues. Starting off with when i bought the second car my fiance told them i was gon na co sign and ended up pulling my credit without my permission. At the end of the day it was okay as i didnt mind co-signing. Then we went up there and bought a new car on the XXXX turns out the bank didnt approve the loan so we had to sign another contract the next day and im thinking this is okay, but they pulled our credit again for that. So we leave thinking everything is done its now XX/XX/2020. 

Well last Thursday they told me I had till XXXX to send them Insurance information or they will take back my truck that i bought on XX/XX/XXXX. So i give them the information and im like okay everything is done. Fast forward to this week Wednesday XX/XX/2020, they decided to pull my credit again without my permission because the loan they had for my truck did not go through. I called him yesterday as well saying why didnt they not call me to discuss any arrangements and that it is illegal to pull my credit without my consent and he said it isnt. I told him i dont want him to pull my credit and I froze my XXXX  reports. Well today he decided to pull my credit again and I actually didnt know about this until after getting information to send this to you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've not gotten too far into this, however. Bank of America credit card. I believe this is my very first credit card to ATTEMPT to build credit PER their prompt, advertising, and suggestions. Then when I was unable to make the astronomical minimum payment there was no other options besides pay {$90.00} or more they immediately sent my account to collections IMMEDIATELY making my credit score tens of points lower AND setting me up for failure INSTEAD of the help offered. I've paid numerous different " debt collectors '' for this amount on and off a decade with the the card REMAINING at the maximum balance and not really being able to see my ORIGINAL credit being lowered or EVER seeing it reflect on my score. There is Documented attempts to resolve this debt from start to finish this debt, was not THEIR agenda to set my path towards credit success, yet within a matter of a couple years ravaged my pure and clean credit score. Punative damages, I've moved addresses as EVERY YOUNG aspiring adult. The physical mail never followed, but the calls and incessant debt collection. Student loans, mortgages, medical, life, car insurance, tuition ... The list won't end, Bank of America, you XXXX me at the jump of my life and you will hear me! The only way to follow me is my social security number. My phone, address, name and status have all changed. But your tactics preserved without appropriate accommodations, to situations YOU created

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 2023-01-26
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:
FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX FCRA Violation : auto loan not mine XXXX XXXX {$33000.00} FCRA Violation XXXX collection not mine XXXX XXXX XXXX XXXX$550.00} FCRA Violation : hard enquiries not mine 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 2021-01-10
Company: EQUIFAX, INC.
State: AL
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:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: IL
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: MD
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: AL
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:
Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: TX
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 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 ) require the credit bureaus to confirm these items. 

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 2021-01-10
Company: WELLS FARGO & COMPANY
State: FL
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:
Due to COVI19 i have been struggling to make my loan payment, Wells Fargo Dealer services got COVI monetary help from President and promised to help loan owners like me to put their missed payments at the end of the loan and Wells fargo dealer services has FAILED to do so, they call me to harass me and they have to mail me a statement showing the missed payments added at end of loan, they make XXXX  of dollars every quarter, the COVI relief funds Wells fargo received was for them to help struggling customers. XXXX XXXX loan # XXXX mail me statement at XXXX XXXX XXXX XXXX Fl XXXX and email 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 2023-10-10
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: Credit inquiries on your report that you don't recognize

Complaint:
The reason I am sending this complaint was to inform the Experian and XXXX Credit Bureaus that I am truly expecting that the Bureaus will fully remove these FRAUDULENT INQUIRIES within 15 days that I will be updating my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-28
Company: EQUIFAX, INC.
State: MD
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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue I have with Equifax violating my rights and the laws according to but not limited to 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT. I have encountered with 2 accounts reporting information incorrectly on my credit report to include Department of EducationXXXX and XXXX XXXX XXXX on Equifax. Specifically, I have noticed that my credit report indicates that I was 60 days, 90 days, and 120 days late. However, there are no prior 90, 60, or 30-day late payments, which indicates that this information is inaccurate.

I am concerned about the impact that this inaccurate information may have on my credit score and my ability to obtain credit in the future. As you may be aware, federal law requires that credit reporting agencies report only accurate information about consumers, and that they must investigate any disputes regarding inaccurate information. I am therefore requesting that you reinvestigate this matter and take appro priate action to ensure that the Department
of Education and XXXX on Equifax comply with federal law and delete any incorrect information from my credit report.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

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 2023-10-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I run a solo law firm and as a requirement under NJ law I have an XXXX  account to deposit client funds that have been received but not yet earned. I eventually transfer those funds into my operating account once those fund have been deemed earned. As such for a period of a few months I had no funds in my XXXX account and Citizens Bank closed the account without any notice that to me that the account was being closed either before or after the Bank closed the account. I am also unable to re-open the account and will now have to go in person to open a new XXXX account. My biggest issue is the lack of notice to me that the account was going to be closed or at the very least notice after the account was closed that the bank had done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Extortion and forced to pay for purchase never made and a 2nd attempt was made on this card, Thanks to me it was stopped ( Capital One had no clue ) and then determined FRAUD. But, 1st attempt of FRAUD goes without Criminal justice and victim forced to pay for something never purchased. 
Card was cut up into pieces and mailed to " Capital One '' headquarters in Utah. 
Racketeering still continues forcing me to pay {$4.00} monthly fee for card that does not exist. 
Months and Months pass and Prejudice and hatred continue. 
Ever since their system was " HACKED '' I have had NOTHING BUT FALSE CHARGES. Too many new cards to list Thanks to this companies failure to conduct business in a legitimate manner by Laws established in the USA. 
This company only cares about 1 thing, MONEY, and the customer gets XXXX  in the end. This is why after 15 YEARS with CAPITAL ONE enough is enough. CAPITAL ONE IS CRIMINALS, tired of being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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 accounts below has violated my friendly protected consumer rights to privacy and confidentiality under 15 USC 1681 right Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 A. States i have the rights to privacy 15 U.S.C 1681 A. Section 2 : it also States a consumer reporting agency can not establish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX XXXX my father is XXXX XXXX XXXX. XXXX, XXXX and Transunion have continued to combine my credit file with my fathers and continue to allow creditors to continue making derogatory reports DESPITE being noticed under Section 609 of The Fair Credit Reporting Act. Please see additional notice under Section 609 FCRA, which requires creditors to provide specific information such as written authorization to obtain credit information about me, contracts or agreements related to the alleged debt. Although previously noticed under Section 609 FCRA, XXXX, XXXX and Transunion have not required the creditors named in the attached letter to adhere to the specific requirements under Section 609 FCRA and have allowed the derogatory items to remain in my credit file despite being in continued violation of Section 609 FCRA. The creditors can not provide this information because I did not open accounts with any of these creditors. Failure to provide the specific information under Section 609 FCRA REQUIRES XXXX, XXXX and Transunion to de, set the specific items listed in my dispute under 609 FCRA. As of the submission of this complaint the items specified in the attached letter remain on my credit file. These items must be removed immediately for the violations under Section 609 FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Both XXXX  and TransUnion have an account on my report for medical bills that were after my bankruptcy, I had Medicaid after my bankruptcy so I had no bills. I have disputed this with them multiple times, I even paid XXXX their {$1.00} so that I could have more detail and now my account says theirs a lock on it and I have to pay {$48.00} and I can even see my credit report, trans union says the medical bills are correct but I know there not as I had Medicaid and was never sent any bills for medical expenses.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: CA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$0.00} 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 2023-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One declined my application for the Venture card. My application number is XXXX. 

I was denied for too many new accounts. I already have two Capital One accounts and would actually rather change one of them ( the Walmart Cap One XXXX ) for for Venture card but they wont permit that, I applied for a new card. 

The letter I received this evening from Capital One contains none of the required information regarding which bureaus they pulled despite the fact that the letter says that they are listed on the reverse side. There is nothing on the reverse side other than an Equal Credit Opportunity Act disclaimer. 

Quite frankly, I am so disgusted with how I have been treated overall by Cap One that I am inclined to just close all my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: FISERV INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In early XXXX I received a credit card from Money Network that I do not recall applying for. I tried to call the company but they will not let me email or contact by phone without me giving them the last XXXX of my social security number, which I do not want to do. As an FYI, the card number is XXXX XXXX XXXX XXXX. It is in the name of XXXX XXXX. I usually use my middle initial, which this does not have. It does not seem to be a solicitation for credit - if it is- it is very misleading. I am a public interest attorney so I am particular concerned about this time of issue. 

I also want to know if they connected with my any of the credit reporting agencies. It does not look like they did as I they include my middle initial. My score is in the mid XXXX and I do not want any company contacting the credit agencies without my permission.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: PA
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:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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