BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. 

According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. 

I am well aware that under the FCRA section 609 disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. 

All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! 

Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. 

They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiry on my credit file from XXXX XXXX on XX/XX/2021. 
I do not recognize this company and never dealt with such a name. 
They have an address of XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX I called the phone number, someone answered and said He is not affiliated with this company and has nothing to do with such a name and asked me to report the incident as a scam.

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 2021-11-10
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a letter from the XXXX XXXX XXXX department saying they could not issue me a credit card -- I had never applied for a XXXX XXXX card. Yesterday, I received in the mail, a credit card from US Bank -- I had never applied for. I called the security department of both of these entities and told them that I did not apply for the credit cards. Whomever applied has all my personal information including address, social security number, dob, etc. The only thing they didn't use was my correct email address. The companies could tell me that the applications were made on line and used a XXXX e-mail account ; which I do not have.

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 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. 

According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. 

I am well aware that under the FCRA section 609 disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. 

All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! 

Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. 

They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.

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 2021-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I believe that CapitalOne Bank and credit card company may have a ring of employees that steal and/or sell or leak previous card holder personal information. 
Why? Years ago I briefly had a credit card but closed the account. Then a few years later I checked my credit score and credit history and it showed another capital one card was opened under my ID. I then called capitalone and reported that I never opened it and to close it. Which they did. 

So, the previous fraud of my ID being stolen through capital one is suspicion. 

Then, today, I received two phone calls one right after the other ( sounded like the same woman but gave two different application reference numbers ) stating that they need more information to process my application. 

I phoned capitalone 's main number off their website ( XXXX # ) and XXXX transfered me to XXXX who claimed that the phone number XXXX was indeed capital ones fraudulent number. However, when I search online, I get conflicting claims. Some people claim its not capital ones fraud department while other 's say it is. So, obviously I am confused. 
But even if it's capital one 's number, the issue is the ongoing fraud that I and other 's have to fight due to capital one 's lack of security and possibly, the lack of honest employees. 
I told XXXX, the capital one 's representative everything I am writing here and that there is no way my personal information would be circulating as I have my credit frozen due to CONSTANT ID theft and sadly, I don't have a life and never give out my personal information. And, why do they steal from people? She said they are smart and use their intelligence to do so. I said they aren't smart as they steal from the poor and then I suggested perhaps they are within capital one. That right there, was a big red flag! 

She then backtracked and said that I could call the fraud phone number on capital one 's website instead of the ( XXXX # ) if it made me feel more comfortable. 

I truly hope CFPB the FBI and FTC will investigate this crime. And shut it down! 
And give restitution to all the victims! 

I also did a internet search and have seen sooooo many other people that have had their ID stolen through capital one 's lack of security ... or is it that they have a ring of thieves working for them?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Summit Collection Services, Inc.
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:
On XXXX XXXX I received notification from XXXX XXXX XXXX advising XXXX XXXX XXXX XXXX XXXX, has placed an inquiry on my credit report as an " Installment Loan. '' I contacted the company and spoke with XXXX, who advised they pulled my credit report in order to obtain my current information in an attempt to collect a debt. The credit reporting agencies regard inquiries as a statement of fact. This company obtained my consumer report under false pretenses and knowingly without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XX/XX/2022, I received an email notification that my Citi checking account had been overdrawn due to an expected monthly service charge. I had this account open for nearly two years and this was the first such charge to hit my account. I immediately called Citi to reverse the monthly charge and close the account. The service rep reversed the monthly charge, refunded the residual balance to one of my Citi credit cards, and proceeded to close my account. At this point, I was no longer able to view statements or manage my account. On XXXX XXXX 2022, I received an email notification that I owed {$34.00} from the closed account and that this amount had been sent to a collection agency. I immediately called Citi and found out that I had been charged a {$34.00} overdraft fee after closing the account two months prior, which I had no way of knowing since my account access had been removed. I requested the {$34.00} overdraft fee be removed however, the service rep was unable to remove the charge since it had already been sent to collections. The service rep said that they would send me a {$34.00} check in the mail to " refund '' the amount but at this point, there may be significant damage to my credit report. I am XXXX XXXX  with a XXXX XXXX  and any adverse material on my credit report could have severe repercussions. 

I believe that : 1 ) Citi unfairly charged me an overdraft fee for a monthly fee that had already been refunded. 
2 ) Citi improperly closed my account without addressing this overdraft fee. 
3 ) Citi provided inadequate notification of the overdraft fee and the impending action it would take. I did not receive anything in writing about the amount owed or the fact that the owed amount would go straight to collections. 
4 ) Citi unfairly took action against an account to which I had no access to nor visibility about any balance owed. 
5 ) Citi provided inadequate response to rectify the overdrawn amount after I called on XXXX XXXX 2022 and was promised a " refund '' check. The damage to my credit report may already be done and will have lasting and irreversible effects.

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 2018-01-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Chase bank put unauthorized inquiries on my credit report. The first one was on XXXX XXXX. The next one was on XXXX XXXX. Also on XXXX XXXX XXXX and the last one was on XXXX XXXX XXXX. I have gone to the bank and they told me they could not do anything about it. It is hurting my credit badly. I am working hard to raise my credit score.I do not understand how is it that the bank can do this to hard working people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. 

According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. 

I am well aware that under the FCRA section XXXX disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section XXXX or can not be verified. 

All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! 

Fair Credit Reporting Act XXXX FCRA XXXX protects me and governs the activities of XXXX reporting Agencies and regulates how they report information about me. 

They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required XXXX driver license and SS card ) + a written contract/request identifying me.

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 2017-10-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company continues to apply my monthly mortgage payment of PITI to just principal. They said if I make 2 payments in a month this wo n't happen, so I 've spaced them out accordingly and it continues to happen. This means I need to babysit it every month and it effects my escrow and my ARM adjustment. Have tried to rectify with the company to no avail. I make my payments online and indicate how the payment should be broken down but they say their system ca n't accomodate. If that is the case, they need to fix their system or not allow online payments or something???? HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Im writing because I noticed that my most recent credit report contains payments reported on XX/XX/XXXX and XX/XX/XXXX for my Capital One closed account. 
I want you to know that I understand my financial obligations, and if it werent for me facing financial hardship and losing my job, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have pay the account off in full and have made payments on time. Ive had a spotless record of on-time payments. 
Im planning to apply for anew apartment and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on XX/XX/XXXX and XX/XX/XXXX. 
Thank you for your consideration, and I hope youll approve my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Account shows several incorrect amounts of late payments. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Account is over 8 years old.

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 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
reporting inaccurate information costing me higher rates the XXXX or XXXX was total loss wrong address cra and hippa violations

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 2017-10-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have filed a complaint against XXXX XXXX XXXX XXXX or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have XXXX late payments.

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 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have filed a complaint against XXXX XXXX XXXX 7 or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have 7 late payments.

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 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX i sent the first dispute about negative information being reported on my credit report. i noticed that my name has been spelled incorrectly and that I have seen some unverified accounts being reported on my account in error. XXXX, XXXX  and Transunion stated that all of the information as been verified. How is that so if i continue to see that it has not been updated in the last reported and date last active? i have not received a response since XX/XX/XXXX. They have just ignored my disputes and i know under FCRA section 611 ( a ), the CRA must provide a investigation within 30 days. It has now been over 60 days and no response. I have enclosed a copy of my latest credit report which I highlighted all of the unverified, erroneous data that is being reported. I will be forced to seek litigation toward these companies if this situation has not been corrected. This is causing me lots of grief.

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 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2022 - XXXX, XXXX and Transunion. I am requesting the removal of all hard and soft inquiries that are older than two years old.

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 2022-04-03
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: Account status incorrect

Complaint:
Account shows several incorrect amounts of late payments. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Account is over 8 years old.

Company response to consumer: Closed with explanation