BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my countless request 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX PL XXXX, IL XXXX XXXX XXXX XXXX PL XXXX, IL XXXX XXXX OF XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital one offers only one way to verify your account when your device is not recognized when signing into your account. The only option is your mobile phone number. Today many people are traveling or working from remote places. Usually credit card companies will give their consumer two options to authenticate themselves 1. Email 2. Mobile phone number. Capital one only offers the second option. I was away on vacation for a month and did not have access. Capital One intentionally limits their clients to verify yourself in order to enter their own account in order to make a profit. I then emailed the company to unlock my account in order to make a payment and my email until today has never been answered. When I returned I called to make a payment and was told I would be set up for autopay. Fast forward to the day before my payment is due and capitalone sends an email alerting me my payment is due the next day. When I clicked the link to double check my payment was being processed- the capital one website falsely makes you believe your signed up for autopay but displaying an option in the middle of the page saying Cancel your autopay. 

Today, is my due date and I called capital one to confirm my payment would be going through today and they alerted me that my auto pay was never turned on. At that same moment I was assessed another {$40.00} late Fee even though the payment due date wasnt even over yet. They could have processed my payment the same day ( like most credit cards ) and avoided the {$40.00} late fee. Its not right another late fee can be assessed to a client when the due date day is not over yet. 

I will never do business with CapitalOne again and they should be investigated for deceiving practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an error on the accounts that your company is reporting on my credit report. I am upset that this is happening on my credit report. I want the company to remove this accounts as quickly as possible because of these inaccurate informations being reported by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
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:
Someone I've known for over 20 years stole my information and identity, and I found out by me being arrested and then hiring an attorney. The person, XXXX XXXX, actually worked and impersonated herself as me throughout several years. Several accounts and incidents have been opened fraudulently in my name. I want this person to be asked about it and take accountability for what she has done and how she has affected my family and me. 

Collection accounts : XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Inquiries : 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, XXXXXXXX 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 explanation
Consumer complaint received 2021-01-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I charged a purchase for about {$13000.00} to have a 3 D video made for me on XXXX XXXX  XXXX  and a potential XXXX cure. I am not disputing this charge but I have had no ends of problems with Citibank that issued my card. 
I did not use this card very often and had this card set up on an automatic pay the full balance method of paying the bill each month. I forgot about the pay all agreement and when the next month came - Citibank tried to put through the full balance. My bank rejected this attempt since I don't carry that much money in my account. 
My XXXX, XXXX  XXXX XXXX, contacted me about the problem on XX/XX/XXXX or XXXX. I called Citibank customer service about this problem and they agreed to change the automatic payment retroactively to pay the minimum balance versus the whole amount. Because they had overdrafted my account, the minimum charge didn't clear because they didn't reverse the $ XXXX charged against my account as promised. I found out that they charged the $ XXXX again on XX/XX/XXXX & I called them again on XX/XX/XXXX. They said they needed to talk to my bank to resolve the problem but wouldn't resubmit the $ XXXX again. They have no resubmitted over and over again and say they have no way to correct the problem - which is absurd. I also got a collection call again saying my payment wasn't made I tried over and over again to explain the problem and our agreement but she wouldn't listen and hung up on me. I can't get them to stop overdrafting my account over and over again. Our bank account is a mess and we are being charge overdraft charges plus late fees over and over again. I spoke to the consumer call center and the manager at the center in the XXXX three times now and they say there is nothing that I can do about this. We are desparate. They are taking all our money after I agreed to change the way our account is billed. They are paying no attention to me at all. They have now resubmitted the $ XXXX amount against our account a total of 13 times! Please help! I am XXXX years old and this is going to cause me to have a XXXX! My wife is beside herself and we are in a loop that t hey refuse to resolve - harminng us over and over and over again.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my father that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support or even been put on child support. I started to investigate and I was told that someone has given my name and social security number to claim money monthly. This person has the wrong person. I decided to pull my credit report and it showed the exact same thing and three other accounts with many inquiries that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from 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 2023-08-29
Company: EQUIFAX, INC.
State: SC
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:
It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. Please see the attached documentation that was also sent to the creditor and credit bureau that they failed to response. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Please See Attached Documentation 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
1. Names : The names 1, Incorrect Name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 2, My correct name is as mentioned above 2. Addresses : The addresses 1, Incorrect Address XXXX XXXX XXXXXXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX My correct address is as mentioned above. 
3. Phone Numbers : 1, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX 2, My correct phone number is ( XXXX ) XXXX 4. Employers : The employers 1, Incorrect Employer XXXX XXXX XXXXXXXX listed in my report are incorrect. 
5. Incorrect Account : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, AL XXXX Account # XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Late Closed XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$24000.00} XXXXXXXX XXXX  XXXX {$7900.00XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2023-06-28
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: OH
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:
Delete these accounts immediately

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 2022-07-06
Company: U.S. BANCORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I checked my credit report and Elan Financial has placed unauthorized inquires on my credit report on XX/XX/2022, XX/XX/2022, and XX/XX/2022 on my XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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 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 2023-04-16
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have had nothing but issues with the American Express Serve Prepaid product. I was locked out of my account ( I complained to the CFPB and they responded indicating they had unclocked - it was unlocked for one day and has been locked again since ). I can not reach anyone for assistance. I would like the account closed immediately and a paper check mailed to me with the remaining account balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-25
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter on XX/XX/2019 regarding an account ( ref # : XXXX ) requesting for me to pay a balance of {$350.00}. I replied to the letter from the company ( diversified Adjustment Services INC ) requesting for them to validate the debt. I have yet to get a response, however, they have inserted this information to my credit report. This has caused me to have to delay proceeding with buying my home due to a recent collection that hit my credit report. As a result, I will have to pay an inflated market rent for an undetermined time to my landlord due to me not being able to signing an extended lease. No one at Diversified 's office has helpful with determining the validity of this debt. I have never done any business with the company and am not sure how they have received my information. I requested a validation due to the fact that I am a XXXX and I have had to fight recently to remove information that belonged to my father from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2020, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the XXXX data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.

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 2020-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid 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:
At about XXXX XXXXXXXX  MST on XX/XX/2020, I attempted to use my Capital One Mastercard ( credit card ) to make a purchase online from XXXX XXXX. I was attempting to make a gift purchase, for my wife, while she was asleep. Capital One incorrectly identified my purchase attempt as fraudulent and froze my card. I immediately called the phone number sent to me by Capital One ( see 1st email alert ) only to get a recorded message indicating that their office was closed until XXXX XXXX eastern time. I called back after they opened and spent an extended period on hold and then went through a protracted identification process to " unfreeze '' my card. The Capital One representative said my card should be good to use at the conclusion of this call. After hanging up, I tried to make the same purchase with XXXX 's which was again, denied which resulted in a second fraud alert email from Capital One ( see 2nd email alert ). I made another call to Capital One and this time the rep said I needed to send a photo of my driver 's license, taken with my phone, for identification. I explained that I had an old fashioned " flip '' phone and I did not know how to do this. She then sent me an email link to allow me to send my driver 's license photo as an email attachment, however, using this technique will require about 10 days to unfreeze my credit card. While I understand the need to guard against fraud, my experience with Capital One 's " customer service '' was highly unsatisfactory. Capital One 's overzealous fraud protection cost me several hours of my time, the loss of use of my credit card for 10 days and a great deal of needless aggravation! In a sense, I was penalized by their system for not having a " smart '' phone to more quickly resolve this issue. But why didn't they correct the problem after my first call which would have avoided the apparent elevation of fraud concern, on their part, by the time I had to make that second call? Customer satisfaction appears to be a low priority with Capital One!

Company response to consumer: Closed with non-monetary relief