BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: SinglePoint GI
State: MD
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:
General Revenue Corporation has done everything in their power to fight me on removing this from my credit file, this debt collector bought this from someone else and listed on my credit on XXXX as the open date XX/XX/XXXX XXXX. They have a lot of inaccuracies on this account and I never attended the school. Then I have XXXX XXXX XXXX I have reached out to the credit bureau many times and filed many disputes, and there is XXXX  another collection agency, on my credit I have contacted the credit bureaus and agencies because all 3 of these are resold accounts with inaccurate information and they change the information on my credit each month, the things they are going against the law 15 U.S.C S.1692d

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Block, Inc.
State: CO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I inadvently sent my sister {$100.00} to an old cashapp account that she does not have access to ( email or phone ). I contacted cashapp immediately to let them know and I also sent screenshots of the incorrect transaction, as well as the correct transaction, and how the names were similar. They said that they were unwilling to refund the money, and that they had no more information to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX I sent a check to Capital One in the amount of {$560.00}. The money was never posted to my platinum card # ending in XXXX. After a couple weeks I called to find out what happened and was told they never got a check. I have images of the check front and back and the account number it was deposited into, which apparently was a fake account because Capital One  claimed they knew nothing about it. When I sent the check in XXXX my credit card was only suspended for being past due but because they lost the check, so I canceled the first check and I had to send another check that didnt get posted to my account until XXXX XXXX and by that time my card was permanently restricted. At the time I only owed {$88.00} on my credit card, but because they restricted my card it was useless. My XXXX XXXX was affected because I have been trying for over a year to fix my account and they kept charging me late fees for non-payment and nobody cared there was an obvious attempt at fraud and the first check I sent never made it into my account. I filed a dispute and they said they didnt care and I still owe late fees on a card they canceled, even though I paid them within the XXXX period. I just spoke with XXXX in the fraud department ( XXXX ) and he said he didnt care someone attempted to steal the first {$560.00} I sent in XXXX of 2021. And I still owe {$210.00} on the credit card they restricted due to non-payment. I am at my wits end with Capital One and now Im filing a complaint because they dont care that they lost or someone tried to steal the first money I sent them in XX/XX/2021. They have since closed my account and said I still owe late fees on a card that they killed and rendered useless, even though I made my payment on time, which got lost. Talking with them does not help me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion is claiming the information they have on file is accurate and has been verified. Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Federal Privacy Act of 1974 - 5 U.S. Code section 552a. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  XXXX BANKRUPTCY I therefore request that you remove immediately this Bankruptcy from my credit report with TransUnion, or provide me with the exact source where you received such information, so I may take appropriate legal action. 


Court Name Docket Number Type Date Filed XXXX XXXX UTAH XXXXXXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX UTAH XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XXXX XXXX UTAH XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XXXX XXXX UTAH XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XXXX XXXX UTAH XXXX XXXX  XXXX BANKRUPTCY FILING

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 2021-01-18
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2020-12-18
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:
In Mid XX/XX/XXXX, I tried to apply for car loan and was denied credit due to an item that was negatively reporting on my credit report. I pulled my credit report with XXXX and discovered that XXXX XXXX XXXX XXXX ( XXXX-XXXX ) was reporting inaccurate information on my credit report. On XX/XX/XXXX, I sent a letter to Experian, XXXX and XXXX to correct/delete the inaccurate information being reported on my credit report. The big obvious items being reported was DATE LAST ACTIVE : XXXX XXXX Experian- XX/XX/XXXX XXXX XX/XX/XXXX clearly my account has been re-aged and dates across all credit agencies were different ( Ref.A ). On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX that stated " We have reviewed the history and activity and believe your account has been reported accurately and completely to the credit bureaus. '' ( Ref. B ). I received letter from XXXX  on XX/XX/XXXX stating that my account has been " verified as accurate, however, we updated : Past due ; Payment received. '' ( Ref.F ) If this was verified as accurate why did XXXX need to update? Experian results recieved on XX/XX/XXXX claiming they have updated the information. ( Ref.E ) I recently pulled my credit report from XXXX ( Ref.C ) on XX/XX/XXXX and discovered more inaccuracies 1 ) DATE OPENED : XXXX-XX/XX/XXXX Experian/XXXX-XX/XX/XXXX 2 ) HIGH CREDIT : XXXX- {$2900.00} Experian- {$0.00} XXXX- {$3000.00} 3 ) CREDIT LIMIT : XXXX- {$3000.00} Experian- {$3000.00} XXXX- {$0.00} 4 ) LAST REPORTED : XXXXXX/XX/XXXX Experian-XX/XX/XXXX XXXX-XX/XX/XXXX If XXXX XXXX/ XXXX-XXXX investigated and believed this was accurate, XXXX  & Experian last update was in XXXX. 5 ) DATE LAST ACTIVE : XXXX-XX/XX/XXXX Experian-XX/XX/XXXX XXXX-XX/XX/XXXX 6 ) DATE of LAST PAYMENT : XXXX/ Experian:XX/XX/XXXX XXXX- XX/XX/XXXX As an XXXXonsumer, I made all the valid reasons to request a fair investigation. It seems XXXX XXXX XXXX XXXX/XXXX-XXXX and the all the credit bureaus failed to perform their due diligence to report accurate, verifiable and complete information. This account resulted in headaches and stress and the inability to get approved for a car loan.

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 2023-01-23
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:
XXXX has reported this account to the CRA without my consent causing me problems for my bettering my future as well as being denied for any credit. It is against consumer law to report to the Credit reporting agencies and without my consent. I have never given them any written consent to share my PERSONAL information to any third parties.

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 2021-09-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21 after using an ATM to check my balance, someone was able to follow behind me and access my account from the same ATM and withdraw {$400.00}, putting my account in the negative. I noticed a suspicious individual hanging around the ATM. 10 minutes later I received the overdraft alert and called to report fraud. 10 days later, Wells Fargo denied my claim and refused to reopen it nor check the camera footage. I've been assessed overdraft fees and Wells Fargo is refusing to 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 monetary relief
Consumer complaint received 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report includes fraudulent information afecting my credit and social security, using different names, different addresses. Accounts for collection that they are not mine. I have reported to XXXX and TransUnion detailed of all those fraudulent information. These two companies and XXXX XXXX and other included did not want to remove fraudulent movements. 

I need your help to ask XXXX, TransUnion and all companies that included in my credit report and reported to XXXX and TransUnion to remove al fraudulent records in my account. They are affecting my credit report.

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 2023-09-11
Company: Rocket Mortgage, LLC
State: DE
Product: Credit reporting 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:
I've had my identity stolen in the past and unauthorized use of my information even while spelling my name incorrectly. There are inquiries that I am not familiar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: JPMORGAN CHASE & CO.
State: MS
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 disputed this on XX/XX/XXXX JPMCB - CARD SERVICES JPMCB - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX and they didn't respond to me at all. I asked them to remove themselves off of my credit report. Since they didn't send me any validation. I wrote them letters and mailed to them ... and I guess they ignored me. 

XXXX XXXX is the same... they ignored me. They won't send me any validation to let me know if this is correct. I had to call them and I attached the TTY transcript, it showed that they promise to send me validation in the mail. 
I told them that the date of birth isn't mine. And I have never applied in Mississippi in XXXX to get credit card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On or about XX/XX/2018, XXXX XXXX visited XXXX XXXX located at XXXX XXXX XXXX XXXX ; XXXX, Texas. Present with XXXX XXXX was : XXXX XXXX and XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX submitted a Finance Application to Capital One Auto Finance. 

XXXX XXXX father, XXXX XXXX XXXX also joined the application as a co-buyer. 

XXXX XXXX, after agreeing to all terms and conditions of the Finance Agreement, took possession of the XXXX  XXXX XXXX. 

As a marketing strategy of Capital One Auto Finance, XXXX XXXX began receiving robotic phone messages, as well as invoices, indicating that he was the principle person listed on the loan. 

Several attempts were made through Capital One Customer Service to correct XXXX XXXX XXXX, to correct him as being the principle borrower, and to place him, as per theFinance Agreement '' back to the co-buyer. This request was denied. 

XXXX XXXX, XXXX XXXX, and their brother-in-law, XXXX XXXX XXXX, spoke with a member of the Escalations Team in the Office of the President. 

The Representative in the Office of the Presidential Escalations Team only identified herself as XXXX. She would provide no other pertinent job-related information about herself. 

XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX were all on the conversation. Proper consent was provided to the Agent, known as XXXX, to speak with XXXX XXXX, who was more knowledgeable about the issue. 

.XXXX. XXXX advised the Representative, known as XXXX it is a violation of banking laws, the Truth in Lending Act, including other state and federal laws for a Lending Institution to modify or change an Auto Finance Agreement without the express consent of all parties involved. : XXXX advised XXXX XXXX, XXXX XXXX, and XXXX XXXX, that it was submitted to the Capital One Auto Finance Company to the contrary and that Capital One Auto Finance would not modify or change the Auto Finance Agreement. Although the Financial Agreement signed at the Dealership clearly shows to the contrary. 

The parties placed XXXX on Notice, that they would be filed in violation of the Truth In Lending Act ;, and The Texas Deceptive Practices Act would be instituted against Capital One Bank and its subsidiaries, for clear violation of state and federal banking laws. 

XXXX XXXX and XXXX XXXX both submit that, the bank has failed to comply with state and federal banking laws. 

Because of these actions and/or inactions, the proposed Plaintiffs have been subjected to their personal credit reports incorrectly reporting their true credit worthiness to other financial institutions. 

XXXX XXXX and XXXX XXXX make a formal request to correct this erroneous information, and that damages be awarded under state and federal law for these intentional acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: EQUIFAX, INC.
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:
XXXX XXXX has been reporting to the equifax credit agency under the given account # XXXX for a " credit card '' in the amount of XXXX, the information provided prompted me to inquire directly with the company, and their response to me is that they acquired XXXX XXXX in 2003, and as of 2003, credit information related to XXXX ceased being reported to credit reporting agencies by the bank and that it appears that someone is false reporting this debt under the XXXX entity 's name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: GA
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:
this company is violating my privacy rights according to the privacy act of 1974. i tried reaching out to said company and got no response yet. i reached out sometime in about may. no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
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.

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 2021-01-18
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2022-07-05
Company: Experian Information Solutions Inc.
State: LA
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 think may be a victim of identity theft. Account not mine!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: JPMORGAN CHASE & CO.
State: NJ
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 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

This item/account is unknown to me. Also, the information you provided on some item is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, JPMCB CARD XXXX Date Opened : XX/XX/2018 Balance : {$21000.00}

Company response to consumer: Closed with explanation