BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-19
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I got an email from Experian stating that I could apply to an XXXX Credit card without impact to my credit score. I applied and a hard inquiry was added to my report. 
I requested to have this hard inquiry removed from my XXXX by XXXX. They refuse to do so. 
This is misleading advertising.

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 2023-09-26
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
FBNO accessed my credit report when I applied for a card. Then they sent me a letter demanding copies of my drivers license, a signed copy of my SSN card, and two years worth of W2s or 1099s. When I called them, they refused to explain why they needed those documents. Why would they? I have NEVER had any credit card company ask for those items.

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 2023-05-31
Company: EQUIFAX, 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:
Credit reporting agency did not complete a thoughtful and fair investigation of an error I disputed in the past regarding account ending XXXX with XXXX XXXX XXXX XXXX XXXX. 

The credit reporting agency verified this account is reporting accurately. 

I would like it to be known that the credit reporting agency has verified a charge off account is also reporting available credit. 

How is it reasonable and possible for a charged off account is listed as a charge pff and have available credit????? 

I request this account is deleted immediately. 

I also have proof Equifax and XXXX are NOT METRO 2 compliant in reporting this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19
Company: GOLDMAN SACHS BANK USA
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I got an email from XXXX stating that I could apply to an Apple Credit card without impact to my credit score. I applied and a hard inquiry was added to my report. 
I requested to have this hard inquiry removed from my XXXX by Apple. They refuse to do so. 
This is misleading advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2021 I have disputed a few items on my report as errors and asked the major XXXX credit bureaus to take a look into the matter and correct their error. Transunion LLC XXXX and XXXX. None of which these companies corrected their errors.

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 2023-04-07
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:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report immediately.

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 2023-05-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection bureau of a has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
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:
online information ser account # XXXX this is not my account. I have never signed any agreement or obtained and debt with this company. Please make this company verify a copy of any detailed written and signed agreement or information holding me responsible for this account.

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 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
Hello, I recently submitted a request to have the 30 day reporting on my auto loan removed because the bank account they attempted to pull from was not my bank account. I did not ADD or REMOVE the bank account they attempted to pull from. On XX/XX/XXXX, Capital One Auto Finance pulled a payment for {$370.00} from Bank account ending in XXXX, this is not my bank account, on file, I selected my bank account XXXX. When I spoke to a customer service representative, they said that the account ending in XXXX was the ONLY bank account I had on file for XXXX XXXX XXXX. It did not show XXXX was added or used at the time of payment and that I should fill out a dispute. They said to fax in my bank statement to prove I had funds available from my XXXX XXXX XXXX account which I did. I had {$1400.00} available for withdraw that week. I received a letter from Capital One yesterday, XX/XX/XXXX, indicating just that they concluded the reporting was accurate. This is inaccurate. I have no idea why this pulled from XXXX, the account was not even an option on my account and the representative did not see it either. Even if they pull up the audit trail of accounts added and removed at that time, they can not prove I added that account and removed it. I want this removed. I paid the payment immediately once I received notice from the credit reporting services I use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Netspend Corporation
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On XXXX I received this unsolicited email from XXXX ( I have no prior relationship with this company, so this is unsolicited email # 1. It also purports to have sent me a debit card that I did not request. ) " " You've taken the first step towards opening a Netspend All-Access Account by XXXX. Your new Netspend All-Access Account by XXXX materials should arrive in XXXX business days. Once you receive your Account Materials, be sure to activate your debit card and verify your identity. 
" " I have received subsequent emails about " activation '' on XXXX XXXX XXXX XXXX and XXXX I have not received this purported debit card, and worry that it could be in the hands of an identity thief.

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 2022-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is not a duplicate complaint my issue is that capital one 360 checking accounts XXXX my complaint is that capital one 360 has not notified the XXXX XXXX new York district attorney office. Tha my checking accounts have a XXXX balance. Reason for this is that the XXXX XXXX district attorney thinks I owe capital one 360 money. Their offer is that if I pay capital one checking 360 XXXX in restitution then the charges will be dropped but the problem here is that I don't owe anything I have XXXX balance here. can capital one checking 360 send a XXXX balance letter to the courts the XXXX XXXX district attorney to let them know that the checking accounts are paid in full and I don't owe nothing. I already have letter can you please send copy to the courts the XXXX XXXX district attorney. So that these charges be withdraw thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Professional Debt Mediation, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX between XXXX XXXX  and XXXX XXXX  this number called me 6 times. No message left. I owe. I debt, everything is paid on time but yet they will not stop calling me. I finally had to put them on block through my cell phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has 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 2022-12-07
Company: Experian Information Solutions Inc.
State: NV
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:
1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX My phone numbers 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 2023-10-04
Company: EQUIFAX, INC.
State: GA
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 am a victim of identity theft. My vehicle was broken into, and my wallet was stolen, which included my Georgia Identification, credit cards, and other items. I have already filed a police report. Since then, all my accounts have been used fraudulently because of the identity theft. As a result, I do not recognize any of the transactions on my credit report and none of the transactions relate to me. 

Dealing with this identity theft has been stressful and has caused me so many issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been informed by a debt collector, Portfolio Recovery Services, who filed a lawsuit against for a debt they claim I owed to XXXX XXXX XXXX. Portfolio Recovery Services lawsuit states that a XXXX XXXX XXXX credit card was opened under my name in XXXX and purchases were made on the credit card in XXXX and XXXX totally {$2900.00} that I was liable for. I dispute the validity of this claim by Portfolio Recovery Services. 

I am a victim of identity theft. My personal information was used to open this account and I did not nor have not authorized the use of this account. 

Portfolio Recovery Services lawsuit is the first that I have heard of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer letter from Chase XXXX regarding an offer for a credit increase on my card. I was thrilled bc the offer letter ( attached ) indicated I would not need a credit check to take advantage of this offer. When I attempted to redeem the offer, I was told it no longer was available. I reached out to customer service and the first response I got was a templated response saying the offer was no longer available but I could request an increase that would require me to update all my information AND have a hit on credit. 

I then replied and indicated that this was deceptive because the letter clearly stated the offer was good until XX/XX/22 and now it was magically not available. 

The second response I got said the offer was sent to me in error and XXXX, please note that our credit line increase offers, like the one you received, are subject to change as per terms and conditions and this offer is no longer available on your account. As any good consumer would do, I reviewed the terms and conditions on the letter sent to me. The only thing it says is Please note this offer is based on existing information on your account. If the information changes, you may be ineligible for this offer My payment history with Chase is impeccable and my XXXX XXXX according to them is XXXX. XXXX reports my XXXX XXXX as XXXX I am concerned that this offer letter is just a bait and switch to get customers to submit to providing an official credit hit. None of the information provided in their response makes sense. I am a good customer with a great credit history. They sent me an offer letter which at first they said was no longer available and then was sent in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: Convergent Resources, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt collection company never notified me of my right to dispute a debt that is incorrect and has had other collection companies removed from reporting because the debt is not mine and is from 7+ years. A copy of this complaint will be submitted to the FTC and the State Attorney General 's office to take further legal action against the Debt Collection company for the violation that has occurred.

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 2022-06-11
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, Medical business bureau added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Medical business bureau has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions 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 : XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Department of Education/ XXXX XXXX Department of Education/XXXX XXXX Department of Education/XXXX XXXX Department of Education/XXXX XXXX Department of Education/XXXX XXXX Department of Education/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US Dept of EDXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX 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 explanation