BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am sending this complaint hoping to get a fair solution on this case. Capital One has been not following their own value that says " doing the right thing ''. 

This is the account informatino I am writitng about : Account number XXXX, opened date : XX/XX/2016, limit {$500.00}. This case is worth over {$100000.00}. 

Here is why Capital one is not doing the right thing : They are committing multiple violations to my consumer rights. I made my own research, and they are doing bad by committing the following violations and tiggering this damages : 1. Legal advice expenses.

2. Re-aging charged off account : date last active is being reported after account started being charged-off. This can create unfairness on status of limitation.

3. Not being able to obtain loan.

4. Emotional stress.

5. Unfair business practices 6. Negligence. 
7. Failing to mark account affected by natural disaster.

8. Reporting discrepancies across bureaus : Different high credit.

9. Breach of contract.

10. Reporting false and erroneous information. 

Please make sure that this company receives the attached documentation. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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:
I have contacted XXXX XXXXXXXX XXXX  XXXX to remover this fraudulent account from my report. I am a victim of identity theft by data breach. I contacted XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and asked to closed this account that I did not consent to account being opened. It was finally closed on XX/XX/XXXX with XXXX balance. XXXX XXXX XXXX  XXXX has refused to removed fraudulent report from my credit report. I have disputed this account on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I HAVE SENT NUMEROUS DISPUTES, POLICE REPORTS, ETC. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT IT IS FRAUDULENT AND I DID NOT CONSENT TO THE OPENING OF THIS ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-10
Company: Experian Information Solutions Inc.
State: CO
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:
" XXXX XXXX, Thank you for submitting an application for a loan on XX/XX/2021. We truly value your business. 

After carefully reviewing your application, we are sorry to advise you that we can not provide a loan to you at this time. Our credit decision was based in whole or part on information obtained from an outside source other than a consumer reporting agency. If you would like a statement of specific reasons why your application was denied, please write Customer Support at the address below within 60 days of the date of this email. We will provide you with the statement of reasons within 30 days after receiving your request. " I received this email tonight about a loan application that I never authorized as well as a credit check that was never authorized. I did many months ago take out and pay off a loan from this company and have since been solicited to constantly via email, phone, and text. Now they are running my credit without my approval.

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 2023-02-17
Company: ID Analytics, Inc.
State: PA
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:
Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The Credit Bureaus 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 this account completely from my Credit Reports. Ftc attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: CBC Companies, 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:
XXXX is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. Without my written consent Innovis, XXXX XXXX and XXXX XXXX unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DIVISION OF CHILD SUPPORT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$6600.00}

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 2023-04-05
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX 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 2023-02-26
Company: PNC Bank N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX claims I owe them {$11000.00} for the original creditor, PNC BANK. Opened XX/XX/2022. I never opened or had a PNC BANK account. PNC BANK is not on my XXXX credit file. XXXX XXXX XXXX XXXX needs to remove this false information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: CA
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a purchase using XXXX and my Citi Card on XX/XX/XXXX and it went through. It was a fairly large purchase ( {$1300.00} ) so I was able to sign up for the XXXX XXXX option. Because of this, I made another purchase for my side business ( {$2000.00} ) on XX/XX/XXXX so I can manage the payments going forward - and for some reason this was no longer allowed for XXXX  XXXX. In XXXX when I received my statement, I saw they had charged the {$2000.00} as a cash advance and charged me interest and fees associated with such. 

They never gave me notice that XXXX was being removed. They never gave me notice about the purchase being used as cash advance. They took almost {$200.00} in fees from me for without valid notification, and they charged compounding interest. I do not like how they handled this situation and I am appalled at how they do business.

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: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I never gave any of these companies permission to run or pull a credit report on me. It is also illegal to only report when an account goes into delinquent status but not when there are good payments etc also, they should provide the original contract with my wet signature if they think they are right. 
Please remove the following from my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, an ACH Electronic Debit of XXXX from our Citibank checking account was sent to XXXX XXXX  for a new account opening. The XXXX was received successfully to fund my new checking account at XXXX. Due to the inactivity of the XXXX Checking Account, the XXXX was returned to Citibank on XX/XX/XXXX. Because of inactivity, XXXX Closed the Checking Account on XXXX XXXX XXXX 

We called the XXXX customer representatives hotline to inquire about XXXX as it was never credited back to our Citibank checking where the transaction was initiated. After passing around for 2 months of calls over the phone, we decided to get help from a local XXXX branch assistance. After many months with the help of the local XXXX Branch Manager chasing down the external/internal ACH Trace # of the transaction returning the XXXX back to Citibank, Citibank was not able to track down the XXXX. 

We got a notice from Citibank around XX/XX/XXXX they were shutting down all our accounts ( no reason given ) on XXXX XXXX XXXX We already sent a complaint email to our Citibank account representatives on Wednesday, XX/XX/XXXX, stating our XXXX was still not credited back to our active checking account at that point. 

Our Citibank Accounts were shut down on XX/XX/XXXX. We continue to work with XXXX 's local branch manager and Citibank 's local branch manager to help in tracking down our missing XXXX. 

Finally, with escalations on XXXX, on XX/XX/XXXX, the money was traced to be residing with XXXX ( Capacity as the Third Party Service Provider of ODFI ACH Operator for XXXX ). A letter was issued by XXXX to have Citibank ACH Department recall this transaction of XXXX and credit it back to Citibank 's Account. 

However, with our Citibank checking closed on XX/XX/XXXX, Citibank stated they can't get the money from XXXX and issue a XXXX check. We can't go to XXXX directly to get our money as we are not a customer of XXXX. Our Checking account at XXXX is also closed.

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 2023-04-05
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:
Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Account status incorrect

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX To Whom It May Concern ; I need clarification as to why are. you reporting certain information on my credit report. Please review the following : Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX  YOU ARE REPORTING THESE ACCOUNTS AS CHARGED OFF YET, YOU ALSO REPORT A MONTHLY PAYMENT! DELETE ACCOUNTS IMMEDIATELY FOR INACCURATE REPORTING. 

After you finished my request, send me a copy of my credit report reflecting these changes. 

Thank You, 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 2019-09-16
Company: EQUIFAX, 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:
On XX/XX/XXXX of 2019 a hard inquiry was ran on my credit by XXXX XXXX XXXX XXXX XXXX. I have contacted the global fraud department for that company and equifax and XXXX as well. XXXX XXXX XXXX has no record of pulling a hard inquiry on my credit report and equifax will not help me unless I file this complaint. XXXX XXXX XXXX has also not helped and gave me false information about a reference number from equifax that does not exist with equifax and none of the agencies are helping me nor have a record of my hard inquiry being ran on XX/XX/2019. I have know where idea where to go from here thank you Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has violated my basic consumer rights. I have requested them to validate this account and all requested documents be sent to my correct and current address which is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and other addresses used is false and not accurate. under 15 U.S.C 1692g and 15 U.S.C 1692c. You are to seize any and all reporting activities to any consumer reporting agencies until this account can be XXXX XXXX  validated. I am requesting all documents, including purchase agreement between this company, and the original creditor authorizing the ability to collect on this account, the entire payment history from since this account was established, a full breakdown on how this amount was calculated included in balance and interest fees, proof that you are license to collect and practice in my state of Virginia, original contract, payoff disclosure, agreement, bearing my signature. Also pursuant to FCRA any information reporting on a consumer report must be XXXX XXXX accurate, XXXX XXXX verifiable, and XXXX XXXX complete this account does not meet FCRA requirements for reporting they have yet to fully validate or provide all requested documents for validation, but continue to report this account on my consumer report. By sending just a statement does not satisfy the validation request I am requesting specific documents, and all documents must be received in order to fully validate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XX/XX/XXXX Company Responsed, and stated that On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX ( Consumer ) received services from the Provider. The total charged for the services was {$7400.00}. Prior to the services being performed, the Consumer signed a financial responsibility agreement. On XX/XX/XXXX the Provider assigned the Consumers account to XXXX XXXX XXXX XXXX XXXX ( Company ) for non-payment of the balance due. The Provider also advised that the XXXX XXXX XXXX issued a payment directly to the Consumer for the services provided and the Consumer did not forward the payment to the Provider. On XX/XX/XXXX the Company sent a collection letter by U.S. Mail to the Consumers address of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX the Company furnished the Consumers account information to Trans Union. On XX/XX/XXXX the Company sent a second collection letter by U.S. Mail to the Consumers address. At no time prior to the receipt of this CFPB complaint did the Company receive any contact from the Consumer. Upon receipt of this CFPB complaint the Company contacted the Provider and verified that the debt information is accurate. A copy of the Consumers billing and financial agreement has been sent by U.S. Mail to the Consumers address. The amount owed {$7400.00} is incorrect. The original bill that is attached states the amount which was {$420.00}.

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 2021-09-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 numerous 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. 
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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