BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-18
Company: Experian Information Solutions Inc.
State: CT
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:
I have been writing for MONTHS! and demonstrating proof of inaccurate reporting. I have sent in copies of my credit monitoring and showing them that every bureau is reporting things differently. I have been told to reach out to the creditors to get validation, however that has never been proven. I keep getting ignored even when I submit PROOF that they are violating my rights as they are reporing. I am so confused how this can keep happening. I prove to them that it cant be accurate when each of the big XXXX bureaus are reporting it differently. I have been told many times and my research confirmed this, they are REQUIRED to do a full investigation on my complaint and provide evidence they did that. I have gotten no proof that they did anything. I have friends who also have disputed the errors and they even received proof that the bureaus did something as the creditor sent the friend a request for more information on the dispute because the bureaus did something. I have gotten XXXX responses from the listed creditors. I think the bureau has violated my rights by not taking proper care of my disputes and filed the appropriate reactions to protect my reputation. I have also seen that when they refuse to do this, I am entitlled to a {$1000.00} fine. I have even requested that and they have yet to respond. I have recently moved and provided that current address to the bureaus. There should be NO reason why they continue to not take correct actions on my reports. Aren't they legally obligated to investigate my reports? I have so many letters that have been sent in. I have also included proof from my credit monitoring service that they are inaccurate in what they are reporting. I just cant believe this is happening to me. I am newly married and we are trying to buy a home and the bureaus are not following the law. I am beside myself with worry since I have done everything I needed to, as per my research, to preserve my credit reputation and they are failing me. How can this happen? I need intervention.

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 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital 1 is discriminating against a XXXX person in California. I am a protected class of citizen under California Law, thus have discrimination charged to file against D, as Capital one is refusing me to access my online accounts to my primary checking account and 4 credit card accounts leading to damages, as can not access as capital one is primarily a online bank.

I provided documentation of my XXXX XXXX XXXX XXXX, XXXX XXXX is one and the same as XXXX XXXX XXXX in a court order XXXX XXXX filed in 2018 in California, yet capital one is defrauding me insofar as I do not have access to my accounts online, leading to harm, thus I have damages for a tort case.

As I was a XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I know credit card fraud. They allege I am committing credit card fraud or the like and preventing access when I gave them suitable information, thus liable for defamation, discrimination and other torts thus I have civil remedies by filing a civil unlimited court action in XXXX XXXX, Municipal court. 

As I was an expert XXXX XXXX in the courts, will be able to act as my own attorney and articulate my damages to a jury. 

Also, I need to official service of process in California as Capital One is doing business in Ca and they have to have a proper custodian of records on file with the California Secretary of state for proper service of process. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 Report act XXXX account # XXXX, account # XXXX, account # 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 166b A Creditor May not treat a payment on an credit card account under an open end consumer credit plan as late for any reason.

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: TRANSUNION INTERMEDIATE 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:
I sent my dispute letters of XX/XX/2023. I told the credit bureaus to investigate every piece of on the accounts I have listed below also I have attached the original dispute letters I sent out as well as the tracking numbers. In accordance with the fair credit reporting act. They stated my accounts were verified how is this possible, if they did not do a proper investigation according to the law on my account, and which I have circled many inconsistencies and inaccuracies on my report from different account numbers, listed dates, balances term, months, and less reported dates that you can see. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is grounds under the law for immediate removal! I have attached pictures of my updated monthly report according to the law everything has to be 100 % accurate, it is not. Also, they have my sisters name on my report. How could they have possibly done a thorough investigation? 

Account name- XXXX XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX  Account number XXXX Account name - XXXX XXXX XXXX XXXX Account number - XXXX Account name - XXXX XXXX XXXX Account number XXXX Tracking numbers- XXXX XXXX  ) 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 the right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681 section ( 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 for more than seven years.

15 U.S.C Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S.C 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2021-01-02
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter from " The Law Offices of Mitchell D Bluhm & Associates,, LLC Attorneys at Law '' based out of XXXX, Texas requesting I pay a past debt dating back to XX/XX/XXXX. They informed they were debt collectors when I called and that they were seeking {$3900.00} for medical services rendered at XXXX XXXX XXXX XXXX. Upon further research, the medical facilities seem to reside in Illinois, and I currently reside in the state of Colorado. I have not been a doctor in the past 4 years, let alone one within the the state of Illinois. I informed them that it was not me to which they requested I file a police report. In order, I reached out to the XXXX Police Department in Colorado who then directed me to The XXXX Police Department. They then transferred me to the District Attorneys office who explained that I needed to reach out to the FTC and file a report through them. Finally I was directed to the CFPB where I am now trying to figure this out. My father is Head of Investigations for the XXXX County Sheriffs Department and said he will help me file a legit report if I keep getting redirected so I hope this helps. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX I wired {$20000.00} for insurance from wells fargo to XXXX XXXX XXXX XXXX XXXX and the wire was lost and after over a week of trying to locate the wire I recalled the wire, then the recipient bank said that it was in their bank from the expected date and although they said it was not there repeatedly it was they then said that the account holder refused the withdrawal for the recalled wire. The transaction was a scam and when wells fargo investigated the wire I was refunded the fees associated with the wire and not the {$20000.00} I wired.

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 2023-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim ID : XXXX Amount : {$5300.00} On XX/XX/2023 I filed a claim with my bank institution. At that time I informed them my phone was stolen along with my wallet and other items. They opened the claim and 9 days later they denied it. I asked for reconsideration on this and they informed me that they never relied info on my possessions being stolen. Which is false because the phone calls are all recorded. I sent in then after being denied, the police report, phone carrier statement and my statement as well. I faxed these documents in and received a conformation number XXXX the sent fax. 
Today I called in and they have not received any of the information. I have been given the absolute run around yet I have complied with every request since and nothing has been done. I was on the phone with numerous supervisors and she just rudely hung the phone up on 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 monetary relief
Consumer complaint received 2019-02-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In the beginning of XX/XX/2018, I received alerts informing me that my XXXX credit score went down 73 points and XXXX credit score went down 43 points due to a balance increase. I contacted XXXX XXXX asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted XXXX and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the 73 point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.

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 2023-02-04
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I havent been able to access my XXXXXXXX XXXX for the last 6 months. And I can not get through on the phone lines. 
I filed a CFPB complaint when they reported me as late and they know this has been an ongoing issue with comenity customer accounts. 
My XXXXredit score updated that the account was closed and sent off to debtor while theyre still processing my CFPB complaint. They didnt even bother to fix the issue and now have negatively impacted my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: NC
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, XXXX XXXX account 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

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: 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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

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 2021-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
My friend sent me his referral link to sign up for a capital one Quicksilver credit card. Here is the link I used https : XXXX. 

Located on this page is a new cardmember offer of a one-time {$200.00} cash bonus once I spend {$500.00} on purchases within 3 months from account opening ( which I completed ). My friend got his bonus but I didn't receive mine. I called customer service and they said the system won't let them send the bonus because it shows that I accepted some other offer that did not include a bonus. I said that's impossible because my friend already received his referral bonus from this same link. Im not sure whats going on but I feel like i got baited into this and everything got flipped on me. Please help me receive my signup bonus that I was promised because it's the reason why I did the application in the first place. If I didn't qualify I would never have filled out the link. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
It has Been More Than 30 Days Since I Mailed My Disputes To XXXX XXXX, Experian And XXXX. I Haven't Received A Response From Either Of These Bureaus As Required By The The Fair Credit Reporting Act.

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 2022-09-16
Company: Capital Recovery Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX, as shown in Attachment of this complaint '', received a form from the Company alleging that Consumer owed a debt. Company violated 15 USC 1692c ( a ) - Communication in connection with debt collection. Defendant violated this code because it states in this subchapter : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Consumer did not give prior consent to company to communicate with him about any debt. Company did not receive express permission of a court of competent jurisdiction to contact Consumer about any debt. Company also violated 15 USC 1692j ( a ) - Furnishing certain deceptive forms. Company violated this code because it states in this subchapter : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company form that was received by Consumer is defined as a deceptive form as described in this subchapter because the said form created the false belief in the Consumer that a person is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company finally violated 15 USC 1692e ( XXXX ). Defendant violated this code because it states in this subchapter : The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. As shown in Attachment of this complaint '', company form clearly shows the name of XXXX XXXX XXXX XXXX, which according to this subchapter is not the true name of the debt collectors business, company, or organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In the beginning of XX/XX/2018, I received alerts informing me that my XXXX credit score went down XXXX points and Exquifax credit score went down XXXX points due to a balance increase. I contacted XXXX XXXX asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted XXXX and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the XXXX point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed an account with Transunion requesting that they investigate further into my XXXX collection. I have sent them letters directly from XXXX proving that they sent the notice of sale and the rights to cure to the incorrect address. In a previous complaint response in this forum by Transunion they stated XXXX verified my current address, and other personal information, which is more proof that they have the correct information for me. The issue is they mailed out information that I am by law supposed to have in writing to an incorrect address after knowing my correct info as Transunion stated to a response in this forum. So now I know, and Transunion knows, that XXXX has accurate and current info. The issue is why wasnt those pertinent documents sent to the correct address but everything else was? Transunion stated they investigated it but its nearly impossible because I provided documentation that the letters were sent to WRong Addresses.

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