BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
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:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a victim of multiple identity theft issues in my recent past. It started by being homeless for the very first time. Then when some criminals on the street found out about how I was without a phone, computer, ect. And vulnerable that's when they started playing games and tricks with me and also being out right XXXX XXXX with me and making threats to me it I didn't do what they asked of me it would get worse. A XXXX XXXX, stole my bank debit card several times, tried stealing my car title and registration, then XXXX XXXX XXXX XXXX  on XXXX XXXX in XXXX all to steal my car that day. XXXX XXXX had once again cut XXXX a deal in order to put me in harms way to get illegal money that was actually mine. Still to this very day, I've had so much XXXX happen to me over these last six years, how could I tend to fixing my credit report when I was merely trying to not XXXX  or XXXX XXXX XXXX outside in the winter snowy cold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
I have been in communication with Capital One, requesting that they remove an account that should not be reporting. They have violated many of my consumer rights and I am requesting that upon review, they will completely remove this account from my credit report. Back in XX/XX/2021, I demanded that Capital One provide me with lawfully requested information upon request and in a timely matter. I asked for : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ). 
3. An itemized statement breaking down the balance you claim I owe. 
4. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

All of these request are within my consumer rights. The response I received was dated XX/XX/2021, way past the 30 day timeframe that would be considered within a timely manner. Furthermore, they addressed me by XXXX XXXX XXXX. That is not and has never been my middle initial. My name is XXXX XXXX XXXX. Which they would know if they actually had any contract or application. However, they don't. One of the responses clearly states that they can not provide me with a copy of my application because it was done over phone or internet. Phones and the internet have the power to record information that would be critical in times like this. 

In summary, this matter needs to be addressed immediately. Theres no reason why this account is still reporting. They claim that they have " resolved '' the matter even tho I disagree. Nothing has been resolved and I intend to file a complaint with the FTC if they can not realize that their error is damaging my credit report and due to all the violations they must remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On XX/XX/XXXX I received notification that a payment had posted to my Nevada Bank of America debit card. The payment totaled {$960.00} between federal and state benefits after taxes were withheld. When I went to access the account and transfer the money to my checking account, I found the account had been closed. Both NV XXXX and Bank of America repeatedly told me it was the other party 's fault. Eventually I found out that my card had been closed for suspected fraud. When I filed my next weekly claim to be paid out XX/XX/XXXX I discovered that payment was not released because I needed to confirm my identity with XXXX. When I called XXXX nobody could tell me how to do that. Luckily the next week I started a new job so those two weeks of payment were the only weeks I did not receive. Finally I emailed copies of my license and my passport to XXXX and on XX/XX/XXXX was notified that the hold had been released from my account and my XXXX XXXX XXXX Pending resolution had been removed from my account. It showed my final unemployment payment had been issued. That payment was a partial payment of {$630.00} combined federal and state benefits to rectify a previous accidental overpayment ( due to a vacation time issue ). I went to the Bank of America website to check my balance and found the account was still closed. The XXXX fraud phone number has been disconnected- I can't get through. The XXXX main phone line refuses to let me talk to a representative or receive a callback. When I called Bank of America about this issue they claimed that it was XXXX 's problem again, but since XXXX has clearly released the hold on my account and released payment to BofA, I have no choice but to understand the situation as BofA unlawfully holding my payment and refusing to release my money to me. The most recent time I tried to contact BofA about this they hung up on me with no discussion. The total amount I am owed is XXXX and it has been six months that this money has been withheld from 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 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
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've found that my credit report has erroneous information for the third time including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list this account as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX

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 2023-12-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 at approximately XXXX I attempted to withdraw {$3000.00} from a bank ATM inside Chases XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The ATM did not disburse my funds. The funds were however removed from my account. 

I spoke with several branch employees and with the claims department with no success. I've asked repeatedly for them to count the funds and review security footage to corroborate my claims and they refused. They have stated I would need a subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX  XXXX 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 this item 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 explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am unsure why this bankruptcy is still being reported on my credit report. Per XXXX XXXX there is no record of bankruptcy. However Equifax, is documenting that gave them the information on my credit report. XXXX XXXX stated the bureau was notified but they continue to report this information when it should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have written Transunion on XXXX occasions regarding some inquiries that I have found on my report, which have been causing damage to me as a consumer. After several attempts, they have not deleted them. Therefore, I am escalating this matter to you, the CFPB, with confidence that you will be able to properly assist. I am seeking to have the following inquiries deleted from my credit report : XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 ; XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2021. These inquiries were not made due to a firm offer of credit, to obtain insurance, for employment, or by a court order per XXXX XXXX XXXX XXXX. These are also a non-account holding inquiries. Please remove the above inquiries as I believe to the best of my knowledge that the companies listed did not have permissible purpose to pull my credit.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: NY
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; COLLEGE XXXX/XXXX Date of Inquiry XX/XX/XXXX ; XXXX  XXXX  Date of Inquiry XX/XX/XXXX ; XXXX  Date of Inquiry XXXX/XXXX/XXXX ; XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: PA
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 am a federally protected consumer and I am making this complaint against XXXX XXXX for committing identity theft. I have never given XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX the assignment of a default note is illegal both the assignee and the assigned are both liable for violation under 15 USC 1692 a 12. XXXX XXXX has committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 before which the FTC defines as debt parking. on XX/XX/XXXX and affidavit was sent to great informing them of the fraud the was committed in the allege contract. XXXX XXXX has sent XXXX contracts for the same alleged debt with XXXX different balances and signed XXXX years apart. XXXX responded on XX/XX/XXXX and stated the would remove the account and reduce the balance to {$0.00}. XXXX Months later XXXX XXXX and the consumer reporting agencies has fail to ensure maximum possible accuracy to my report while investigating bring harm to me and my financial reputation by failure to update the Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Its been over 6 months and per tracking ( investigations have been received ) I started my investigation on XX/XX/2020 I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given. I have not heard back from you in over 30 days since my formal written notice of disputed dated XX/XX/2020 and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Capital One has violated my rights. Under 15 U.S.C 1681, Section 602, states I have the right to privacy.

15 USC 1681, Section 604a, Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a federally protected consumer and I am making this complaint against XXXX XXXX for committing identity theft. I have never given XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9 the assignment of a default note is illegal both the assignee and the assigned are both liable for violation under 15 USC 1692 a 12. XXXX XXXX has committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 before which the FTC defines as debt parking. on XX/XX/XXXX and affidavit was sent to great informing them of the fraud the was committed in the allege contract. XXXX XXXX has sent XXXX contracts for the same alleged debt with XXXX different balances and signed XXXX  years apart. XXXX responded on XX/XX/XXXX and stated the would remove the account and reduce the balance to {$0.00}. XXXX Months later XXXX XXXX and the consumer reporting agencies has fail to ensure maximum possible accuracy to my report while investigating bring harm to me and my financial reputation by failure to update the Information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit 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:
I rented a car from XXXX XXXXXXXX XXXX XXXX They charge me XXXX dollar deposit. They did not give back my deposit. I made several calls to XXXX and spoke to XXXX ( XXXX ) XXXX, who filed a dispute and said a manager would call me back. I never received the call. I called back and could not speak to a XXXX. 

After not getting anywhere I filed a claim with Capital one. they did not call me or get back to me. I have documentation that clearly shows I paid the deposit. no one called me for the proof. I did not get anywhere with them when XXXX has protections for this. 

I will attach the receipt which clearly shows the deposit and charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Affirm Holdings, Inc
State: FL
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:
According to the fair credit reporting act 15 USC 1681 SECTION 602, The consumer reporting agencies are to insure the reporting with grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I the consumer. My right to make assure my information isn't shared which is aided by 15 USC 6801, that it is policy of the Congress that financial institutions have an affirmation and continuing obligation to respect the privacy of its customers and to protect the security of those consumers nonpublic personal information. ( Furnishing of information to credit agencies ). 15 USC 1681 section 604 a section 2, In accordance with written instructions the consumer reporting agencies may furnish a consumer report. XXXX and XXXX do not have my written consent to furnish this report. any and all verbal, nonverbal, written or otherwise, consent to XXXX and XXXX have been revoked. 15 USC 6802 ( A ) ( B ), Financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishing of information to credit agencies ). I was never informed of my right to exercise my nondisclosure options. 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies may not make any adverse reporting other than reporting of conviction of crimes which antedates seven years. This account is an adverse item they are reporting without my permission which is against the law. 15 USC 1681S-2 ( a ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15USC 1681E, All consumer reporting agencies shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. Experian and Equifax are not maintaining reasonable procedures. Also, 12 CFR 1016.7, A consumer may exercise the right to opt out, I am opting out of the reporting services.

Any other information other than provided below is inaccurate and to be removed. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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 XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 a 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 explanation