BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
What I am tying to understand is how can a company steal your information and run a vast amount of hard inquires on someone's credit report. I never gave Capitol One written or verbal permission to run 8 hard inquires and then furnish them on my consumer report. I thought as a consumer I had the right to privacy? I also thought furnishing a report in connection with credit or insurance transaction without the consumers consent is against my rights as a consumer? 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I have not initiated any transaction with Capitol One, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 2023-10-07
Company: Resurgent Capital Services L.P.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, XXXX is reporting fraud information on my credit report from a 3rd party company LVNV FUNDING LLC which is violating my rights. I am a victim of Identity theft, I have already submitted a report with FTC. This Fraud account is reporting as collection & made my credit score drop XXXX points which I worked so hard to build my credit to a XXXX so far! How could 1 collection account that isn't even mine, make my score drop so much XXXX points!! This is hurting my goals of buying my 1st home & new car! Im so devastated & need XXXX & or the company to remove this fraud immediately from my credit report. Both LVNV FUNDNG LLC XXXX XXXX are violating my rights & breaking the law. I have uploaded supporting docs. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Partners Financial Services Inc
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
VICTIN OF IDENTITY THEFT AND ITEMS ARE REPORTING ON MY CREDIT FILE THAT SHOULD NOT BE AND ARE A DIRECT RESULT OF FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: AR
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 credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the last date reported is not accurate. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) THIS IS GROUNDS FOR REMOVAL THEY ALSO violated MY RIGHTS UNDER 15 usc 1681 section 602 A states I have the right to privacy 15 USA 1681 section 604 A section 2 it also states A consumer REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS. 
Also the credit BUREAUS TOOK MORE THEN 30 DAYS TO COMPLETE MY INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
TD bank has decided to close my accounts the stated they mailed me a letter letting me know that the accounts would be closed, I check my mail everyday and never received a letter, they actually allowed me to open a new account a few days ago and made no mention of the existing accounts being closed, they now have all of my accounts restricted including the new one and are holding my money. I call customer service and they tell me to go to a branch I go to a branch and the branch says they cant call the back office to get resolution and have the accounts released or funds withdrawn for me. This is creating a huge issue and the lack of customer service is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20
Company: CL Holdings LLC
State: NM
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:
On XX/XX/XXXX when applying for mortgage loan Credit Bureau report showed in XXXX that an account with XXXX from XXXX had not paid off. This account was sold to XXXX XXXX for the amount due for {$270.00}. This account was paid off in full to XXXX XXXX on XXXX XXXX. I have evidence of amount paid from my account at XXXX XXXX XXXX. I have notified through phone calls to both XXXX and XXXX XXXX of inaccuracy of report on XXXX asking for resolution of inaccuracy. Filed fraud and dispution of report on XXXX. This has had a negative effect on my credit scores and needs to be addressed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal permanently closed my account for no reason. They put a temporary limit and I complied with everything that they asked. Unfortunately, they still blocked my account permanently. My business has been affected by this issue since I wasnt able to pay my people with the funds I have on my Paypal account. This is not my fault. I have not been able to get effective help from them for weeks but I discovered I could file a report here as I feel they are not doing their job properly. It is affecting me as great deal as I used Paypal quite frequently. My email liked to my Paypal account is XXXX. Hope you can help with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: FL
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 submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2018-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Everytime i am asked for my name and identification documents by authorities, a file of someone else criminal activites shows up upon giving my ca id # .. at one point in time i was called by XXXXpolice officer asking me if i want him to mail my id card to same address on the card, bec supposedly jt was comphiscated from someone whos been using it for cashing checks, openninh bank account, issuance of checks and others that can be easily obtain thru my card. And i dont think i filed anything against that wrongful act. And so many years passed, i realized why is it i can open no checking account, have a credit card and even getting trouble as far as going to jail ... this became so serious and i dont know how to clean it. Im XXXXyears old now and i havent achieved anything as far as my rights to have anything and evrything i deserve because of this particular individual who used my id to commit criminal acts. If im not mistaken shes also used my ss number. Her name was given by officer in processing my last encarceration : Name XXXX XXXX From XXXX XXXX, Ca Please help me.. 
XXXX Cell ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, Ca 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 2023-09-21
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/23 I disputed information and provided proof of identity theft snd proof of address I have also supplied identity theft affidavits address affidavits as well with said companies Equifax XXXX XXXX XXXX These companies failed to protect my consumer rights and also violated section 605b of the fair credit report act /penal code they have also failed to thoroughly verify fraudulent accounts I have filed a legal suit against the above stated companies I requested that the companies provide proof and documentation as to how they verified the said collections and inquiries on my personal credit report below are the fraudulent Accounts and inquiries from each company XXXX Equifax XXXX they gave

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Synovus Bank
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Issues with payments and have been reported unfairly on my credit report. With previous issues of bill payments I started to use there system to make payments. It takes days to come out and other things comes out so they blocked me from using payment system without giving me notification that I couldn't use it anymore. Bill pay takes over a week to be received and that was beyond my control. If I knew I couldn't use system I would have processed it sooner. This was an unfair practice and should be avoided not being allowed to use a system should be given a notice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX XXXX. I have a Kohls credit card. Have spent thousands before. Im XXXX a XXXX  soon. I decided to pay off debt. On XX/XX/XXXX I made a payment of XXXX to pay off my credit card. I didnt realize my bank would probably not let this payment through as a fraud prevention the amount was to large. I did not receive a confirmation email either. So I assumed it did not go through. So I made two more payments to break the large payment up. Those two payments were XXXX $ and XXXX . All three of these payments processed! I immediately contacted kohls customer support on XX/XX/XXXX. Requesting the XXXX be refunded to me in order to pay my personal bills. I explained it was a mistake. They told me it would take 7-10 business days for a check to arrive. They told me they could not electronically give it back! I patiently waited. The third week of XXXX I had called again with my husband. I called again. This agent told me it would be up to 14 business days. Still no check. I called again.This agent told me it would be up to 14 business days from the date of processed. They claimed it processed on XX/XX/XXXX. Might I add is a Sunday. How they have until XX/XX/XXXX to get me my check. I called again on XX/XX/XXXX to check on this again. This agent said they have until XX/XX/XXXX to get me my check. I demanded a supervisor. They kept telling me their supervisor is in a meeting. I said Ill wait and demanded to speak with one immediately. At this point after all the phone calls Ive spent at least 5 hours on the phone with customer service in a month. After waiting 50 minutes I got a supervisor. He swore to me my check would be here by XX/XX/XXXX. It is now XX/XX/XXXX I still have no check. This is almost a XXXX  of money and two months almost has gone by. Please help me! Here is my cell XXXX. I am XXXX XXXX XXXX  and this process has been extremely hard on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, 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:
In XXXX, Equifax learned that a very large number of accounts were compromised. Only on XXXX XXXX, after the hackers had over 2 months to process all this information ( including mine ) they finally told the public about it. 

Not only have they failed to protect my information and ended up divulging it without my consent, but they have also failed to notify me on time. A 2 month delay is unacceptable given the sensitivity and the breadth of personal information that was leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 ) ( 5 ) 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-07
Company: Aldous & Associates, PLLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a charge from Aldous Associated that hit my credit. I never heard of the company or received any communication from them. I see there is a debt of {$260.00} dollars owed. I never agreed to pay anything to this company because I am not familiar with who they are. 

It states the original debt belongs to the gym. XXXXXXXX XXXX, the gym I spoke to the manager in XXXX of XXXX. We did not discuss any debt owed, he told me I could come in and get another active membership. He checked my login information and seen I had not been to the gym since XXXX of XXXX. He confirmed I did not have to pay for the year I did not attend the gym at all. 


I do not owe the gym anything because I have not been a member in almost a year. I planned on rejoining a closer location but I will not do anything with this gym now. This company has no record of me owing a balance or anything showing I entered this gym. Please remove this inconsistency off my credit. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with capital one bank which is on my report but this is a fraudulent account. I never owned this account but after the dispute it was noted that this account was found to be accurate and correct when in fact it is not. It is impacting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-09-07
Company: SVB FINANCIAL GROUP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
SVB XXXX offers a 3 % money market account on their website : https : //www.svb.com/startup-banking-edge/ # I have tried several times to contact the bank, via email and telephone. 
SVB XXXX has replied indicating " Unfortunately, we would not be able to extend our banking services ... '' This is deceptive advertising. SVB XXXX is conducting a fraudulent advertising campaign that is illegal and should be stopped from conducting those practices. 

I hereby submit my formal complaint against SVB XXXX for falsely advertising returns that are non-existent from my knowledge and wish to bring this to the CFPB office for review and determination of penalty ( s ). 

Electronically Signed, 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 2017-09-11
Company: EQUIFAX, INC.
State: NC
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:
On XXXX XXXX, XXXX, I learned that Equifax had been breached by an outside source due to a lack of security in their system. Items such as my Name, DOB, SSN, Address, and Driver 's License Number, may have been leaked and could be in the hands od people with malicious intent. Through reporting by the news, it appears Equifax learned of this breach on XXXX XXXX, XXXX, but did not report it to the public until XXXX XXXX, XXXX, a whole month after the company learned of the breach. 

To rectify the issue, Equifax has set up a website to allow consumers to view if they were involved in the breach. However, this website uses the very information that was stolen to verify my identity so I am unable to safely secure my account. To date, Equifax has made no attempt to notify me personally that my information may have been part of the breach by mail or by phone. Had I not seen this reported on the news, I would have had no idea I was at risk. 

This breach has set me up to be at risk of identity theft for the rest of my life and may even affect my heirs handling of my accounts upon my XXXX. The best way for me to be protected from this breach will require me to freeze my credit at the 3 major credit bureaus for the rest of my life.

Company response to consumer: Closed with explanation