BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a range of 4 to 6 credit card pre-approval offers from Capitol One monthly and every time I apply Im denied. I previously had a successful auto loan paid off with Capital One but can not understand why constantly send me credit card offers when you know you are not going to approve me. This has been an ongoing issue for nearly two years that only stack hard inquires on my credit report thus hurting my overall score. It is literally a cycle of confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-05-04
Company: AFNI INC.
State: DC
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allege identity theft, not later that 4 business days after the date of receipt. it has been 30 days and your are in violation of this law because i am a victim of identity theft!!!! please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion to the accounts listed IMMEDIATELY!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Bread Financial Holdings, Inc.
State: VA
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 ComenityXXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I asked the company to close my account after paying the illegally charged {$33.00} on the last statement and now I have another statement that just came in on what is supposed to be an already closed account. The company said they would yet Im still being charged interest on a CLOSED account. Next step : seeking legal counsel and pursuing appropriate authorities as this has now become flagrant and obvious manipulation. This is my final complaint towards this PIECE OF XXXX COMPANY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: CT
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:
See attached

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 2023-03-06
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took a look at my Credit report and it has multiple discrepancies that I have tried to settle with the credit bureaus and need them removed as the information violates FCRA guidelines.

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 2023-03-06
Company: Experian Information Solutions 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 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. 
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 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 XXXXXXXX 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 an 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 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 2023-03-06
Company: Experian Information Solutions Inc.
State: MD
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 contacted the 3 main credit reporting agencies with failed attempts for action. I want to remove personal information that I donot want on my credit report. The information is no longer accurate. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

In addition,15 U.S. Code 1681s2 states that the responsibilities of furnishers of information to consumer reporting agencies. 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. 

These are clear violations of my federally protected consumer rights.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My second time having to dispute this account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: In progress
Consumer complaint received 2023-10-12
Company: Happy Money, Inc.
State: ID
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have been trying to make my loan payment for weeks now. I have lost track of how many people I have talked to trying to resolve this issue. Their website was having problems so I scheduled a payment through them that they never took out. I attempted making the payment multiple times before this. They asked that I change my bank account on file so I added another. They said that it didn't work and to add a third bank account which I do not have. I had to change the bank account again and now they are saying it will take 5 days to change it. They have been spamming me with calls texts and emails about the overdue payment even though they know I have been trying to make the payment and the issue is on their end. They said they are going to report it to the credit company if it is 30 days past due. Its getting close to 30 days and now they will not even respond to me regarding the issue. I have had XXXX people stop responding to me and I am at a complete loss on what to do. I've tried making the payment online again and it says I can't because there is a scheduled payment. That scheduled payment date has past and I asked that they cancel it 3 times so that I can attempt online again and they won't do that. I have done all the contacting by either email or text so that I have the receipts to prove I have been doing everything that I can and they will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our house was foreclosed on in 2022 despite active application for XXXX emergency assistance funding. Both my mortgage bank ( Arvest ) and the law firm XXXX XXXX XXXX XXXX XXXX denied any knowledge of XXXX assistance or the XXXX proceeded ( XXXX  ) and covertly proceeded forward despite this and denied us of any recourse other than lump sum repayment to make current. I have email correspondences attesting to this.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 30 days Late Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargedoff Past due amount {$180.00} Fraudulent Account : XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charged off Past due amount {$530.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$170.00} Fraudulent Inquiries XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date 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
Consumer complaint received 2023-04-17
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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized by me as it was done by that creditor without my permission. Please look thoroughly at the documents attached to understand where I'm going with this statement.

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 2023-03-06
Company: Experian Information Solutions 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:
My name is XXXX 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 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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX and I need your help with the cause of numerous inaccuracies in my credit report. My XXXX XXXX is at stake because of this.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: GA
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:
Regardless of the multiple written requests, the public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 
XXXX   XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : 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 2023-05-04
Company: EQUIFAX, INC.
State: IL
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. 

XXXX  XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Upstart Holdings, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Back in XXXX, I was having a difficult time making payments due to being out of work. I contacted Upstart for a deferred payment which they granted by making my payments smaller, in XXXX and XXXX. Because I was still trying to catch up from not working, I made two payments in XXXX for XXXX, one in the amount of {$100.00} on XX/XX/2022 and one on the XXXX for {$70.00}. In XXXX, they charged my account extra fees billing me from XXXX XXXX, however they never applied my XXXX payment which I paid in late XXXX as listed above. I have since then made my payment for XXXX, still being due for XXXX and XXXX, however even though I sent them a copy of my bank statement showing them I made XXXX payment in late XXXX, they still have not credited my account and begin showing me 95 days late as of XXXX, even though I made XXXX payments, which they still have not credited, not do they seem to show any receipt of my payment on their end, despite my sending them a copy of my bank statement showing I made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$24000.00}

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 2023-05-04
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:
This is my 10th 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 XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Bankrupt XXXX  Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$190.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-04
Company: SANTANDER HOLDINGS USA, INC.
State: CA
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 recently check my credit report and noticed unauthorised accounts being listed. I've reached out to the credit bureau to solve these issues but have not received any information or any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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