BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: NC
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Good morning, I have a complaint against Capital One credit card department. In XX/XX/2023 I was issued a business credit card by Capital One, but I was never given online access to my account to be able to see my balance, purchases, add an accountantetc. I have contacted their customer service department over 7+ times, went through the same steps to fix this technical issue online then told to wait for 5-7 business days for them to resolve this issue but in the end, nothing happens, and I must call again, thus wasting countless hours with them on the phone to no avail. As a result of this, I will probably end up losing the introductory offer on my credit card for not using it. This is a decision I made because Im unable to view my transactions if I used the card or know my balance.

I was never given a case number, and no one from capital one ever bothered to follow up on this issue. Ive been a customer with them for a few years now and Im appalled by the degree of negligence they have shown towards me. All Im asking for is online access to my account to be able to run my business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: 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 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 2023-05-31
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: Information belongs to someone else

Complaint:
I called your department after I purchased a credit report with XXXX on XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the Identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
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 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I opened a credit card from Capital one Financial, kept it until XX/XX/XXXX and just before I made a final payment I called a Capital one Financial representative and asked him if there was going to be a fee for simply having the account opened, he replied no. This XXXX Capital One closed my account and due to this my credit score dropped XXXX points on XX/XX/XXXX. I was in good standing with them I had no missed payments. And now I get a letter from Capital One asking me to get their Data Security plan, and whats strange about this is they highlighted XX/XX/XXXX, the day my credit score dropped drastically. I think did this willing fully with my credit score drop only to get me on their plan. I had called their department and they kept me on hold for so long and the representative was giving me the run around. Some one please help. I will attach all supporting documents. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/20, I paid all outstanding medical debts by phone to Healthcare Collections Inc. I  was offered a cash discount ( I did not ask for this ) and accepted it. I was given a confirmation number : XXXX. I was told that the items would be removed from my credit report XX/XX/20. On XX/XX/20, HCI reported the cash discount as an outstanding debt AND as a late payment. I spoke with them again today, and was informed that I paid it off at the wrong time - that they require two weeks to charge off the discount THEY offered, and that the fraudulent item they have reported to XXXX  will be removed XX/XX/20. When I stated that I was trying to buy a house and this fraudulent item was affecting that, the collection agent said " Well, that's the way it goes. '' When I informed him that I would be filing a complaint with CFPB, he hung up on me. I have disputed the item with XXXX, however, HCI 's bad-faith game-playing with my credit report is damaging to me personally, and I have no doubt that others are being damaged similarly.

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 2018-08-25
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My vehicle sustained minor cosmetic damage and the insurance released a check to myself and TD Auto Finance as the payee. I forwarded the check for endorsement to TD Auto but they refuse to send the check back saying the repairs must be completed. The purpose of the check is to pay for the repairs which makes this request ridiculous. I have forwarded a written request to them and since I have made every payment on time I want either the check released right away or a payoff statement so that I can end doing business with them forever. 

Holding the check is harmful to consumers and most likely used by them to float their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2019-04-05
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:
I am currently in the process of trying to get a loan and I am getting denied. My account with federal student loans is showing I have missed over 120 days of payments from the months of XXXX. At the time I had so much going on and did not pay close attention that even though I was a recent graduate that I had loans to repay. 


I am asking that you guys see that Ive always been in deferment. I am not finically stable to start paying right now. These loans have been so long ago and Im asking for forgiveness to remove some of these charges on 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 2023-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a chain of emails starting at XXXX XXXX  while I was asleep from Bank of America to verify my email address to ensure that I receive all communications from the bank. Less than a minute later, another email was sent from Bank of America to inform me that I was enrolled in Online and Mobile Banking. And in a matter of 8 minutes interval two separate emails were sent sent from Bank of America informing that my online application for an Advantage SafeBalance Banking Account is in progress.Then the last two emails which were sent a few minutes later were to inform that the applications were approved and the new accounts were open. Considering that these events happened at night, I saw the emails in the morning and immediately contacted Bank of America to report the activities as fraudulent as I have not initiated any of them ; however the first customer service representative I spoke to was not diligent enough to transfer me to the correct department and advised that I didn't have any bank accounts open with Bank of America by verifying my SSN and other personal information. She also couldn't explain why I receive the emails and that didn't sit well with me so I decided to call again but this time instead of calling the main customer service number, I reached out to the fraud department which transfer me to the digital account opening department and the customer service rep was able to confirm that indeed two accounts were fraudulently opened with my identity. Subsequently I placed a freeze and fraud alerts on my credit report from all three credit bureaus and also XXXX. 
Five days later, the same thing happened again from Bank of America. Same chain of emails, email verification, online banking welcome email, application is in progress email and the final one : account is now open. I attempted to contact the bank but since it is Saturday the bank 's customer service is not available and the branch I visited was no help to do anything at all. 
I can not understand how after placing a fraud alert and security freeze on my financial information, Bank of America was able to open yet another fraudulent account with my identity. Better yet, in less than week I had already reported two fraudulent accounts to Bank of America. Who in their right mind opens three bank accounts in the same institutions in less than week time and the bank lets it happen without questioning any of it as fraudulent. Considering that I have note detected any other fraudulent activities with my identity, it leads me to believe that there is something shady happening with Bank of America to allow these fraudulent bank account opening activities to happen.

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 2022-06-02
Company: Healthcare Collections-I, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HCI Healthcare Collections Inc has responded to a complaint I made through CFPB with a violation and you just closed the complaint. 
They say I owe {$750.00} which they reported to the 3 credit bureaus as well negatively impacting my credit score and life. 
On XX/XX/XXXX of XXXX I send them a request for validation of debt letter. They responded on XX/XX/XXXX of XXXX  with a verification letter and an itemized XXXX bill from a XXXX, not a validation of debt. 
On XX/XX/2022 I sent them a request of my consent of HIPAA proving they have the right to have my medical information. They did not respond. 
They responded to the complaint I made to CFPB on XX/XX/XXXX stating they have a signed authorization from me. Opening the file and looking over it I realized they also have my XXXX XXXX authorization, not the HIPAA consent, showing again they are in violation of my rights as a consumer. 
They do not have my consent for them to be in possession of my medical information. 
This has put a stress on my life without them having the legal right to have such information and for them to report it to the credit bureaus.

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 2023-01-27
Company: DISCOVER BANK
State: MI
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:
In XX/XX/2022 I received a Late payment Flag on my Credit Report from Discover Bank According to the fair credit reporting act this creditor has violated my rights. On their 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. On their 15USC 1666B a creditor may not treat a payment on a credit card account under and open an consumer plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: DC
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:
The consumer reporting agencies has fail to fulfill their vital role to ensure that my consumer report. is fair and accurate to me as the consumer. I have not given none of these furnishers or consumer reporting agencies MY WRITTEN CONSENT to furnish this information on my consumer report. I have a right to privacy in which are being deprived of at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: WELLS FARGO & COMPANY
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a private student loan with Wells Fargo XXXX. I stopped payment on it in XX/XX/XXXX, and they have reset the last payment date multiple times, with the last being in XXXX of XXXX. I never made those payments. Doing this is making it stay on my report for 2+ years more then is legally allowed ( 7 years ).

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX

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 2021-06-04
Company: Pinnacle Credit Services, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt collector continues to contact me for my ex-wife 's debts. I have told them several times over the phone that we have not been married for 10 years and to stop contacting me. Now they are emailing me about those same debts that they have been told are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: IL
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:
PLEASE REMOVE THE FOLLOWING ACCOUNTS INCLUDED IN THIS REPORT BECAUSE IT VIOLATES MYCHARACTER AS A CONSUMER ACCORDING TO 15 US 1681B PLEASE REMOVE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unresolved items on my credit report. I have previously submitted disputes to the credit reporting agencies, as required by the Fair Credit Reporting Act ( FCRA ), but despite these efforts, the inaccurate information remains on my credit report. 
I have attached copies of the relevant documentation, including previous correspondence with the credit reporting agencies and any supporting evidence, to substantiate my claim. 

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 2023-04-03
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: DC
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation