BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: TN
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:
Information is to excluded from my consumer report as it was an extension of my credit card. Furthermore XXXX is in violation of my rights to privacy as the released and served my private personal information to an unauthorized third party without my consent and lied stating a sheriff called me over the phone and I provided verbal consent. False, XXXX knew I would not receive those court documents and purposely gave my personal private information to an unauthorized third party only for the sole gain that the courts would rule in their own favor as a default judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Information is to excluded from my consumer report as it was an extension of my credit card. Furthermore XXXX is in violation of my rights to privacy as the released and served my private personal information to an unauthorized third party without my consent and lied stating a sheriff called me over the phone and I provided verbal consent. False, XXXX knew I would not receive those court documents and purposely gave my personal private information to an unauthorized third party only for the sole gain that the courts would rule in their own favor as a default judgment against 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 2018-03-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked Experian to correct my name. They refuse to. I asked them to verify XXXX XXXX XXXX and/or remove them. They refused to. I tried to verify it myself and USPS sent it back unable to deliver, unable to foraward. I asked them to remove bankruptcies that were filed but never finished due to bad legal advice and they refuse. I asked XXXX to and they researched it and removed it.

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 2021-04-12
Company: Square Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I processed payroll with what at the time I thought was a reputable company. I am a small business with legal entity as an LLC and wanted to pay my contractors through their service. One amount was for 3000, other for 2800. My contractors never got paid and square took the money out of my account and never sent me an email to confirm anything. 4 months later after too many calls and emails they still have never responded nor returned the money. Even after their 60day hold policy for unsuitable businesses as they say. We are legit company and have everything up to date. We have followed up via phone and email and nothing yet has been resolved. Customer service suggested to file fraud against my bank but they told my bank that I approved this charged so my bank closed the case. Please resolve my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
Someone stole my identity and used my credit cards from capital one for goods without my consent or knowledge. I have been diagnosed with XXXX XXXX and was in able to protect my identity and credit cards during my XXXX treatments Capital One is making me pay for 3 credit cards that someone or company has stolen access to my personal credit cards information and used the credit cards for their personal needs. I have not used the credit card, but I have been trying to pay each month for credit cards that I have not been using

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days I haven't heard anything from the credit bureaus. I did my research and it's against FCRA to have inaccurate information being reported. Also Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Please help me, this is messing with my livelihood.

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 2021-08-23
Company: EQUIFAX, 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:
I respectfully request that the company offices provide me with competent evidence that I authorized them to pull my credit or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello, I opened a XXXX  aka " Amazon Prime Store Card '' card by clicking a link on my Amazon XXXX XXXX back in the  XXXX  of XX/XX/2020. Two months later I received a piece of mail that I owe Synchrony Bank money for inactivity {$12.00} per months. So I called them many times the phone number that was either not answering or answering with an automated message offering me few different ways to pay. Finally, I managed to have Amazon technical support to redirect my call to Synchrony bank to speak with a human and close my card. Nevertheless, Synchrony bank keeps harassing me applying late payment fees and submitting negative credit reports on me every month for the card I had never use. If only I knew there is an inactivity fee for the XXXX  card,  especially during COVID-19 times when everyone stays home, I would never click that " open a Store Card '' button in first place. 

Please help me to make them fix 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 non-monetary relief
Consumer complaint received 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-02-12
Company: EQUIFAX, INC.
State: VA
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:
XXXX is reporting an old account as open and current. It shows a payment of {$3800.00} made to open the account back up fraudulently. The account was closed and charged off and all of a sudden it shows open and current. I have correct documentation on how the report looked in XXXX versus XX/XX/XXXX. This is due to be removed from my credit report in a month. I would like this to be removed now due to inaccurate information and fraudulently activity opposed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX is XXXX XXXX XXXX and stays with me her daughter XXXX XXXX in LA and her money was with drawn fraud and theft i did report it to Wells Fargo but they never got back to us or said anything to us I called back and they said the claim was closed and could not say more. I never Got a Letter or call from Wells Fargo. We do have a police 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 2020-12-04
Company: WELLS FARGO & COMPANY
State: CT
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:
XXXX XXXX there is two inquiries, XXXX XXXX inquiry, and XX/XX/2020 inquiry, XX/XX/2020 is also a inquiry I have no knowledge of doing. This was done without my knowledge and without my permission.

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 2021-03-29
Company: EQUIFAX, INC.
State: NV
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 are two loans that do not belong to me they are not mine I have not signed for these and i should not be paying for it my credit is going to waste because of this I have tried reaching out to the bureaus and the furnisher but they are not helping me. 

XXXX - Acct # XXXX Amt {$27000.00} XXXX  - Acct # XXXX Amt {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX  and Transunion refused to Verify the following accounts that don't belong on my credit report. I AM REQUESTING THEY PROVIDE ME PHYSICAL VERIFICATION PROOF UNDER THE FAIR CREDIT ACT UNDER THE LAW, BUT XXXX & TRANSUNION   REFUSED TO PROVIDE SUCH PROOF. THEY CONTINUE TO SEND ME FORM LETTERS. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX/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 2021-08-23
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit and saw a debt from NATIONAL CREDIT SYSTEM with the Original creditor being XXXX XXXX XXXX XXXX for {$6300.00}. I have never had a lease at this apartment community. My daughter resided at this address but I was never there nor was I added to the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I XXXX XXXX opened an chime account for myself, for work check deposits. I opened the account on XX/XX/2022 I have money still in my account after 3 hours of my account being activated I try to log into my account and it said " Your account may be locked or suspended '' but I haven't done anything but deposit money into my account. I have been waiting patiently but I'm getting to the point just calling for a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 requested Transunion to remove 2 bankruptcies from my credit report that were filed but never discharged due to bad legal advice. As you can see from my credit history I was current on all my debt. This should not be on my credit under the Fair Credit Reporting Act. XXXX   investigated and removed it and I feel Transunion should too. When I tried to get my credit report today XX/XX/2018, Transunion refused to provide it unless I paid their {$19.00} a month ransom.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
TransUnion and XXXX failed fix error in account site unable to add documents saying I sold vehicle. XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX I leased a Honda for 36 month term which ended XX/XX/XXXX. I bought the same vehicle on XX/XX/XXXX. Paid all my dues including the buyout amount on time XX/XX/XXXX I got a statement to pay {$480.00} for Personal Property Tax CITY OF XXXX . I paid that on time as well and the account was CLOSED. 
All my credit bureau reports show the XXXX account as CLOSED on XX/XX/XXXX and in good standing so far XX/XX/XXXX, Seven months after account closure, I got a statement from XXXX to pay {$560.00} for Personal Property Tax CITY OF XXXX XX/XX/XXXX Being the second property tax in same year, I gave a call to XXXX XXXX XXXX help desk. The support person was not able to clarify which year this payment is being asked for. He incorrectly stated that this payment is for XX/XX/XXXX and the one before in XX/XX/XXXX was for XX/XX/XXXX. I didnt reside in XXXX in XX/XX/XXXX, hence there should not be any tax so I requested them to check the records if there has been duplicate payments and also send me the copy of tax notice *Support person stated that they will send the tax notice via physical mail within 7 days. The mail didnt arrive. 

XX/XX/XXXX I got a Robo call from XXXX . I gave a call back to XXXX XXXX XXXX and explained the whole situation to a different support person. Support person stated that they will send tax notice via regular mail XX/XX/XXXX I also opened an online Case/question on XXXX XXXX website. XXXX XXXX # XXXX. Please find attached the Case details, content and all online tracking information XX/XX/XXXX I received the tax notice and clarification to my original question. Tax payments were for XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX I paid the full amount {$560.00} XX/XX/XXXX XXXX reported to all credit bureaus that my account is Delinquent. My credit score got adversely impacted XXXX Present : I requested all credit bureaus to check on this but they are not able to help. XXXX recently made my 36 month term to 48 month term on XXXX and account as delinquent with 30 day late *I have never paid XXXX XXXX late nor made late payments on any other loans or credit cards in past. I just asked a question and paid the full amount as soon as it was clarified. The property did not belong to XXXX in XX/XX/XXXX and they should not have paid tax on my behalf seven months after I made the purchase and charge me on an account which I had closed. 


*Attachment summary & proofs : 1 ) XXXX complete financial transaction history 2 ) Phone company records for the calls I made to XXXX helpdesk 3 ) XXXX online Case correspondence

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 2017-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XXXX 2017, Capital One unilaterally placed a hold on my checking account due to a suspected security issue. They did not contact me to tell me that they had done this or to resolve the potential security problem. During the time that my account was suspended, I continued to write checks from it because I had no way of knowing that anything was wrong. As a result, 5 checks that I wrote during this period bounced and I incurred a total of {$170.00} of returned-check fees. When I received notice of returned check fees, I called Capital One to find out what was going on, and that was when I was informed for the first time about the account suspension. We resolved the security issue ( it turns out there was n't one ) and they reinstated my account. But Capital One refuses to reimburse me the {$170.00} even though I only incurred these fees because of their actions and their failure to communicate those actions to me. There were more than enough funds in my account to liquidate these checks if Capital One had not frozen my account, and I would not have written checks on the account if Capital One had told me there was an issue with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently disputed a bankruptcy reporting on my credit report inaccurately, And it came back as verified, I have contacted bankruptcy dept and they then informed me that they never verified anything and that info came from 3rd party verification which only verify address name and last four of ssn ... Which is not me and is a family member with the same name is me who has previously committed fruad under my name I would like this to be removed from my credit file or this to be sent up to a executive manager to be reviewed cause bankruptcy info is inaccurate and dont belong to me and need to deleted, Thanks wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BMW Financial Services NA, LLC
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation