BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Around XX/XX/XXXX Capital one denied me a consumer credit transaction through the dealer XXXX. I applied for the transaction after I found a XXXX XXXX XXXX XXXX  I liked. They stated I had no credit information and said their information was based whole or in post on my consumer report. They also failed to provide a numberical number. I received no specific answers as to why I was denied my right to defer debt, other than that consumer reporting agencies couldn't report on me. I didn't get a telephone number for Capital One. Just a return address. Consumer reporting agencies can't possibly report on my credit as a natural person since I have never written for them to do so. Let alone accurately or with privacy. Capital One used my social for a completed application for credit. I sold them my credit, I received nothing from it, and they got paid using it. As a natural person with an open ended credit plan, my rights were violated and I was denied a vehicle for personal use.

15USC 1602i- defines consumer. Being I am a natural person I am also the consumer.

15 USC 1602f- defines credit as a RIGHT to defer debt or payment. I was denied my RIGHT.

But Capital one still used my credit card as defined in 15 USC 1602l.

12 CFR 1002.2C ( 1 ) ( i )- I received adverse action without a counteroffer.

15 USC 1681m ( 2 ) ( a ) - I never received a numerical credit score and this says it must be provided if you use it to in while or part to make a decision. As Capital One says they did.

Capital One is a financial institution ( 15 USC 1681a ( t ). They're supposed to hold accounts belonging to consumers ( natural person ) which is what I am.

Was my credit card used to open an account under my open ended plan without my benefit?

According to 15 USC 1602p the consumer must get a benefit from a credit transaction. I received no benefit after usage of my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Bank of America charged interest on my credit card which was supposed to be interest free for 18 months. They have also charged late fees for failure to pay the minimum amount despite its online banking system indicating a {$0.00} minimum payment.

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 2022-01-30
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT.SOMEONE STOLE MY IDENTITY. ITS CAUSING ME SO MUCH HARDSHIP. I HAVE BEEN TRYING TO BUY A HOUSE AND THESE FRAUDULENT ACCOUNTS ARE CAUSING ME A HARDSHIP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE.

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 2021-06-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed errors on my credit report with XXXX XXXX, Equifax and XXXX several times. 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My husband passed away and Citizens bank began charging really high fees for an overdraft count and did not notify me of the overdraft charges. I asked them to remove the charges nd close the account. They would only remove 2 which is not fair to me. I did not know it was negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in 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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is reporting as a collection on my report despite not having monthly historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: VA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX I missed it, the Remarks on Report game, hey XXXX  Experian and XXXX  remember I told you XXXX  I was the Boss, Im in XXXX XXXX baby, you know, where XXXX XXXX Powerful Smart and Awesome XXXX men & women are involved in ALL types of Businesses, remember me XXXX telling you Dummie this, now Ive paid my monies to XXXX players in the Credit Corrections GAME, listen up XXXX  criminals, they will be pulling my XXXX Credit Report on this week, now every XXXX thing that Ive Asked you XXXX XXXX to correct, Im the Boss now, see after talking with a sharp XXXX XXXX person that knows the Credit Game, XXXX  I missed, Remarks on your XXXX Report can XXXX with your XXXX XXXX, hey XXXX  Experian and XXXX  I see what youve been doing Now, now you XXXX  can send me {>= $1,000,000} a piece and we can treat this as Settling out court or in Federal court I expose you XXXX  XXXX  XXXX XXXX XXXX, I could Not believe what my Credit expert showed, Im in the Game Now I got, Knowledge is Power, Im in charge Now 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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On my credit report there are several companies on my report that I don't know who they are, and I tried to call them and there was nothing done about it, so I wrote to the names of the financial institution that's on my account, that say they are open in my credit files. XXXX XXXX, TransUnion, there are deferent. Names 1. XXXX XXXX  has 13 accounts.2. XXXX XXXX has 13 accounts.as well.3. Dept of EducationXXXX has 13 accounts. All of these accounts have deferent account numbers and the same amount on them. now back in XX/XX/2022 I was granted Student financial Aid forgiveness now all these companies are on my report. They all have the same amounts of payment on there but deferent account numbers.

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 2019-06-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
An Account that was previously removed from my credit reports after an investigation was opened and completed, was reinserted back on my credit report and also re-aged. The Credit Bureau Agency did not notify me in writing within 5 business days. I was not notified at all that this account would be reinserted. The account was removed due to inaccurate information and not being liable any longer for this debt with the original creditor.. I also notice that this collection agency re-aged the account to keep the information on the credit report longer. This lowered credit score 50 points and I am in the middle of buying a home. This is a violation according to the FCRA Section 611 Part ( A ) ( 5 ) ( B ) ( ii ) as well as violation according to the FCRA Section 605 ( c ) Running of the report period. Hipaa was also violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: Experian Information Solutions Inc.
State: TN
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:
This has happened on two occasions. XXXX as reporting an incorrect balance and multiple updates within a month on my credit file with Experian, XXXX and XXXX. My last statement date is XX/XX/XXXX with a balance of XXXX. Since this date I had two purchases ( XXXX {$18.00} and XX/XX/XXXX {$780.00} ) and a payment of {$380.00} on XX/XX/XXXX. On XX/XX/XXXX, during the same reporting period and not the end of the period XXXX erroneously reported a balance of {$830.00} to my credit file with Experian, XXXX and XXXX showing an 83 % utilization rate. I contacted an Account Manager and she told me, any time you make a purchase XXXX will report it to the Credit Bureaus and I stated if that is the case why isn't the same thing done when I make a payment. If that was done the reporting would of indicated a balance of {$450.00} vice {$830.00} and a 45 % utilization rate. Additionally, she advised me the balance will update on XXXX which is the statement date. So this week I have to live with this erroneous information.

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 2023-12-16
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account with Chase Bank in XXXX, CA. This is a Trust account which has been with the bank for many years. Recently bank requested trust documents for verification that I submitted. Bank restricted my account without any written explanation. My calls at customer service number did not yield any result. I requested the bank to send my money by check if they did not wish to have the Trust account any more. I am not getting the money, nor any explanation from the bank. Please help me resolve this ASAP. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX FINA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX FINA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

9. Identity Theft XXXX CRD Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  XXXX  Account Number : XXXX This is 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 explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3600.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: TN
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:
This has happened on two occasions. XXXX as reporting an incorrect balance and multiple updates within a month on my credit file with XXXX, Equifax and XXXX. My last statement date is XX/XX/XXXX with a balance of XXXX. Since this date I had two purchases ( XXXX {$18.00} and XX/XX/XXXX {$780.00} ) and a payment of {$380.00} on XX/XX/XXXX. On XX/XX/XXXX, during the same reporting period and not the end of the period XXXX erroneously reported a balance of {$830.00} to my credit file with XXXX, Equifax and XXXX showing an 83 % utilization rate. I contacted an Account XXXX and she told me, any time you make a purchase XXXX will report it to the Credit Bureaus and I stated if that is the case why isn't the same thing done when I make a payment. If that was done the reporting would of indicated a balance of {$450.00} vice {$830.00} and a 45 % utilization rate. Additionally, she advised me the balance will update on XXXX which is the statement date. So this week I have to live with this erroneous information.

Company response to consumer: Closed with explanation