BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I tried depositing my paycheks at the CapitalOne Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  but was told I needed to furnish a government issued ID card which to my knowledge is illegal in the State of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have recently discovered that I am a victim of identity theft. Beginning in XXXX, accounts were being opened under a different variation of my name ( XXXX, XXXX XXXX ) and also an incorrect social security number similar to mine ( XXXX ). I have alerted the IRS and also submitted credit disputes with TransUnion and XXXX. 

On XX/XX/XXXX I sent a credit validation letter via certified mail to TransUnion. According to XXXX, TransUnion received the letter on XX/XX/XXXX. I have not received a response and the fraudulent accounts are still being reported to my credit. 

In XX/XX/XXXX, I submitted a dispute to XXXX as well to inform them of the fraudulent activity on my credit report. They sent dispute results which included the deletion of a few accounts, however, all accounts were not 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 2020-03-26
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Dear Sir/Madam, The basis of this complaint began when I erroneously forwarded a XXXX XXXX Bill Pay payment to a closed Citibank account No. XXXX ( XXXX ) on XX/XX/XXXX in the amount of {$50000.00}. The closed account was for a mortgage and equity line that had been satisfied XX/XX/XXXX to the best of my recollection. The Equity Line ( XXXX ) remained open until XX/XX/XXXX. Proof that the payment was sent by XXXX XXXX is attached as Exhibit A. 

I have tried now almost a year to have this money wrongfully held. Neither XXXX XXXX or Citibank will help in my cause. Neither have offered us relief let alone help in this matter. I have had hundreds of communications attempts in writing, telephonic and in person communications with both institutions. I am attaching several of these communications to illustrate these communications. They dont show the hours of telephone holds and conversations with offices from NJ, Pa, Ohio, Utah to name a few. 

This is a GREAT amount of money and has caused us great hardship. It is being held erroneously by Citibank and they refuse to return it. 

I am attaching as Exhibit B several documents which illustrate the above timeline :. 
-XX/XX/XXXX Payment erroneously sent to CitiMortgage XXXX XXXX XXXX, XXXX Oh , XXXX. XXXX Acct No XXXX ( XXXX ) -Numerous conversations with Citibank trying to reverse the error lasting several months. Some conversations lasting hours of hold time. 
-An example of written correspondence is attached dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
-Several more conversations ensued with Citibank on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( just to highlight a few ). All stating summarily that they did not receive the funds so they would not be of assistance. I discovered that Citi had transferred mortgage payments to XXXX. After several communications with them I was advised that they had not received the funds. 
-I then went back to XXXX XXXX to ask for help but was advised that they had done their job by sending the payment and therefore not responsible and would not help me. 
-These communications went through XXXX to XXXX of XXXX. Again copies of all documents are attached. 

I am now contacting you in desperate need of assistance. Any help will be GREATLY APPRECIATED. I anxiously await your reply. 

Very truly yours, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the victim of identity theft. And the items on my credit report list. in my identity theft report from the Federal Trade Commission do not belong to me. Included with this complaint is a copy of my identity theft report. Along with ID.

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 2023-07-11
Company: Diversified Recovery Bureau LLC
State: SC
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:
Diversified Recovery Bureau, LLC Current Creditor : XXXX XXXX XXXX Reference # : XXXX Original Creditor : XXXX Acct # : XXXX This company has been placed on my credit report without my permission As you no doubt are aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. The CRA 's maintains that if the inquiry is on file then the company listed did in fact view the consumer 's record. 
The Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a 'permissible purpose ' ( see specifically 1681s-3 ( b ) ).

I don't recall applying for credit with you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Southwest Credit Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt is more than 7 years old was removed from my credit report in XXXX because it was 7 years old and then re added by a different company. I never received notification other than XXXX XXXX. The date reported as opened in XX/XX/XXXX that is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: ACIMA CREDIT, LLC
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 checked my credit report XX/XX/XXXX and Acima credit fka XXXX was on my credit report along with a XXXX address I did not recognized. The lease/loan was opened XX/XX/XXXX in the amount of {$2800.00} and the balance is currently {$2900.00}. 

I immediately contacted Acima and they told me based on my social security, phone number, name and address they could not locate an account for me. I then disputed the account thru XXXX and also filed a police report. But the company is still refusing to delete and or terminate the lease thats in my account that I did not open. 
XXXX has contacted them to let them know I did not open this account and this is fraudulent. Acima can not locate an account yet it is still showing up on my credit report. 

I have had a fraud alert and lock on my account since XXXX as I am unsure how this has happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Last month I filed a dispute for bankruptcy reporting inaccurately on my consumer file. You sent me a response back that it was verified and you got your information from Pacer. I went to Pacer to compare the information you are reporting on my consumer file to make sure it was accurate as you stated. However, the information is still not accurate. The name of the court & the county is inaccurate. 

Now I know I have a right as a consumer to accurate information on my credit file and for reinvestigation. This inaccurate information you are reporting is hurting my ability to obtain credit. 

Now I wonder if you actually did an investigation or not. Did you even look into the information or did you quickly label it as accurate/verified?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
Ive tried several times contacting all 3 credit bureaus to get hard inquiries removed from my credit report to no avail. Each bureau told me that they can not remove any inquiry, and that Id need to contact the creditors myself to get them removed. When I contacted these creditors, they also told me that they can not remove them, and that Id need to contact the bureaus to get them removed. Both sides are giving me the run around. I do not and have not owned any lines of credit with the creditors in which these inquiries come from. There are a total of four inquires from XXXX, XXXX/XXXX  ( XXXX ), Barclays, and 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 2022-03-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The dealership ( XXXX XXXX XXXX XXXX XXXX ) had me put down a 100 % refundable deposit of {$500.00} in order to " hold '' a vehicle while I decided whether or not I wanted to purchase it. When I decided I didn't want to purchase, the dealer tried to hold the {$500.00} in ransom for me to come in and explain WHY I didn't want the vehicle. I told them to refund it -- and they said they would, but only if I came in and told them why. I explained why over the phone and through text -- and they ignored me moving forward. I asked for the refund -- they ignored me. So I disputed the charge with the credit card company. They didn't ask me a single question- instead they just denied the dispute stating that I did not answer their questions. When I tried to call in and ask WHAT questions -- USAA subsequently could not tell me what questions weren't answered. BUT -- told me that because I ALREADY disputed it -- I couldn't dispute it again. 

I did not purchase a vehicle. The deposit was 100 % refundable. But somehow I cant get the money form the dealer OR my credit card company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-15
Company: JPMORGAN CHASE & CO.
State: AR
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, JPMCB Card Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that 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 a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Bankruptcy 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 2021-02-10
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i disputed 3 bankrupcy filings on my credit report. they told me to contact XXXX XXXX to dispute the report. i did and XXXX XXXX told me they would correct the matter and remove the information on my file. i notified experian and they keep saying that the information has been verified. I sent them the letter from XXXX XXXX stating they would remove the information and they ignored me. i asked them of proof verifying what they claimed and they just said that XXXX XXXX verified the information. i contacted the bankrupcy courts clerk and they informed me that they did not verify the information reported. 

this has caused adverse reaction. i was denied credit multiple times and in the instances that i was approved for credit it was at an exesively high interest rate. 

please correct this matter

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 2022-04-11
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2021-02-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a home loan. My lender told me I was deceased. I then called equifax to get it resolved so I can finish purchasing my home. Its been over a month since I first called. I called over 30 times and sent them three faxes with my information. Its still yet to be resolved. Its staring I have absolutely no credit history or anything. I still use my credit cards daily

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
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: Their investigation did not fix an error on your report

Complaint:
This is for my XXXX XXXX credit card. Account number, XXXX ... The amount owed on XX/XX/2020 was {$3800.00}. This was when the Covid virus struck America and my company shut down, I was also diagnosed with Covid in XX/XX/2020. As soon as my company paid me and I was virus free I paid off the entirety of the amount that was owed. I have asked XXXX XXXX  to look into the details of this and they have refused, I have offered to pay a fee to have it removed, they also did not accept that. This has affected me in many ways when trying to apply for a loan and a mortgage. I have paid every credit bill on time since that date and before that date. I am asking for a little relief due to the COVID virus striking down my work and myself. I did my best to pay the bill asap, am asking for some goodwill as I have and will continue to be an on-time paying customer. 

Respectfully, 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 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Accounts on my credit report are not mine. They are unauthorized and unverified

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