BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One Auto Finance has on ( Regular Inquiries ) Requested On XX/XX/XXXX -- - XX/XX/XXXX -- -XX/XX/XXXX -- - XX/XX/XXXX -- - XX/XX/XXXX there should not be Hard Inquiries from Capital One back to back as XX/XX/XXXX & XX/XX/XXXX back to back that's a heavy impact and should not be done I did not apply for credit on all these days and why 2 days apart that was a hard impact on my credit. 

XXXX is at fault for 2 day back to back impact that is not by law considering I was not applying for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2023, I received an email from Bank of America that an application for a new bank account was being processes. A few minutes later another email came thru stating the account was approved. I contacted BOA the same day to inform them that I did not apply to open an account. After the phone call I was instructed to go into a branch to file a fraud report because I was not comfortable giving my information over the phone. I filed a fraud report inside the branch and received an affidavit a few days letter to fill out. I had to submit copies of my social security card, drivers license, and a utility bill to prove who I was. I had several phone conversations during the weeks to make sure they had all information needed to close that account. On XX/XX/2023 I received and email stating that the account was closed. I also received a letter as confirmation. My issue with this is I have a freeze on my social security number due to previous fraudulent activity. I checked my credit report and I did not see any inquiries from Bank of America which should have occurred if someone applies for credit. Even if they inquired, I have a freeze on my social security number so it would be blocked. I believe Bank of America opened this account without my knowledge. I want to file a complaint to uncover how this account was opened and if Bank of America did in fact open this account and put me through drastic lengths to close an account that they opened fraudulently. 
I found this very disturbing that someone can open an account online with my information with ease but I have to go through drastic lengths to prove who I am even while being physically inside a branch with my identification.

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 2019-10-18
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Account : Hp Sears, Account Number XXXXXXXX Report Number : XXXX reporting on my credit report as a collections. 

I have no knowledge of this particular account I did not received any letter information or phone call pertaining to this inquiry .The are multiple errors in their information about this account.

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 2021-05-20
Company: EQUIFAX, INC.
State: MO
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:
Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same type of lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT, AND I NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH CAUSED BY THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2021-01-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Below is what I have sent to numerous customer service research emails for XXXX. 

I am writing because XXXX XXXX, XXXX and XXXX is reporting negatively on my credit report. XXXX currently shows delinquent balance throughout XXXX as late as XX/XX/XXXX. The document attached shows where my total balance was paid in full XX/XX/XXXX. This property was sold to another buyer. The attachment also shows where the check for the balance of XXXX, was overnighted to XXXX as well as signed and received by XXXX employee XXXX XXXX on Wednesday, XXXX XX/XX/XXXX @ XXXX. I do see a hand written note that it was not processed until XXXX, however that was done by an XXXX Employee. I can not answer why it took so long to process. At this time I need all three companies to update my report immediately as this is hindering me from a new purchase. There should be no late or delinquent payments throughout XXXX. 

I have been working/waiting for XXXX to correct this error for over a year now and each week that i call for an update I am told it is being reviewed and someone will call me in 72 hours. I have been given two dates of XX/XX/XXXX and XX/XX/XXXX stating this will be resolved. I have literally called every week and I have not received a single return call from anyone at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CCS Financial Services, Inc.
State: IL
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 submitted a cease and desist order to the collection agency and they have not complied with federal laws under FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested for a company to be investigated for incorrect reporting into my credit files. My request were submitted multiple times for the past six months. I have requested for the creditor to be required to submit a CONTRACT that obligated me to a claimed debt. The company has only supplied a bill in which is NOT a form of validating a debt. I have requested a signed contract with my name and social security number to be attached with my signature. Documents has not been supplied by the creditor to myself or to the reporting credit agencies. 
Transunion and XXXX credit agency has continued to report derogatory information without thoroughly investigating the alleged debt. 

My request is that Transunion Credit agency as well as XXXX comply with the FCRA section 616 and supply me with their method of verification from original dispute. 

RE : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT ; {$3500.00} ADDRESS- XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX PHONE NUMBER : 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 2020-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
Im writing in regards to an Auto Loan with Bank of America. I obtained this loan on XX/XX/2020 through a dealership in XXXX, MD. My payments began on XX/XX/2020, which I made successfully and since that time I have made on time payments through XXXX XXXX XXXX XXXX   Bill Pay. I pay 90 % of my bills through XXXX XXXX and I have never had a problem with any of my payments being rejected, denied, or returned until now. 

Bank of America has placed a 60 day past due notice on all three of the Credit Bureaus. I have not received not one letter or statement indicating my payments were late. I have not received not one phone call. I have not received not one email nothing which is crazy if I was so late. Every time I submit a payment, they would send me a check for the amount paid with no explanation just an empty envelope with the check in it. I havent cashed them either so I dont know what is going on. Who refuses payment when someone is diligently trying to pay? In fact, I pay twice a month. I went to the branch in XXXX, MD on XX/XX/2020, and they couldnt tell me anything. The representative just gave me a number to call. Unbelievable right, so I got in my car and called only to speak with a lady that didnt know what she was doing and indicated that this call was being recorded and this was an attempt to collect a debt, I told her great now what is my pay off balance. She gave me that information and was trying to transfer me to someone and I just hung up. 

I only found out that the account was past due through checking my credit report a couple a days ago which is outrageous. I think Bank of America is being spiteful/prejudice and have no grounds for putting a 60 day past due on my credit account. I am extremely angry that Bank of America is ruining my credit and I want Bank of America to correct my file immediately. I will NEVER deal with Bank of America again. They are very unorganized, confused, spiteful, and underhanded bank. Please do whats right and correct my account.

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 2023-09-19
Company: JPMORGAN CHASE & CO.
State: IN
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:
onXX/XX/XXXX. someone tried to apply for a credit card under my name. I am in the process of buying a home I never would have done this. I called Chase and they immediately told me they denied this due to it being suspicious activity and that they would inform XXXX and XXXX. I told XXXX. XXXX reacted immediately and erased it from my credit profile. XXXX refused even after I sent them the letter and inquiry dispute just like they requested me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I spoke with BMW Finacial about the first payment since I was trying to make an extra payment to go to the principal the payment is of XXXX, I did a payment for XXXX $ thinking that it will apply all to the principal. The next day I did realize that not all apply to the principal and I called BMW Finacial to see what happened the Customer services Rep. 
State that since it was paid the full amount due it will not apply to the principal, so I did paid the remaining balance witch it was {$130.00} to make the full payment I told him that a payment of {$330.00} will apply on the due date and I asked him if it will go to the principal, he state that it will, the due date came today and only apply XXXX $ of the XXXX $ to the principal which it was not what the BMW Finacial rep state. I called them to see what happened and they will not help me even they gave me the wrong information and the manager XXXX said to fill a complain but he will not help me and there is nothing they can do even one of their employees is giving the wrong information. defiantly a bad experience no much help and rudeness and misleading information for part of them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: SYNCHRONY FINANCIAL
State: FL
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 accordance with the Fair Credit Reporting Act this creditor, XXXX Account XXXX has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-02-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I recently pulled a copy of my consumer reports and noticed the following personal information are in error : Name, Date of Birth, Employers XXXX XXXX 1998 Self Employed

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 2017-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit bureau is reporting inaccurate information I have not entered into a contract with the accounts listed. 
XXXX acct # XXXX XXXX acc # 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 2021-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
In the month of XX/XX/2023 Wells Fargo reported a 30 day late on my account. When I talked to Wells Fargo the gentleman told me that I was ok when I made the payment and as I noticed the payment got reported late recently. This is a very frustrated situation as I was told that it would not be reported as late.

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 2020-10-22
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: Account information incorrect

Complaint:
On XX/XX/2020 I bought a new XXXX XXXX from XXXX XXXX in XXXX, TX. I specifically asked them who pulls the credit and they said that XXXX XXXX does a soft pull and XXXX XXXX will do a Hard Pull ( both through Transunion ) if theirs looks good. I unlocked my reprt so they could move forward and I was approved. 

Later both XXXX XXXX and XXXX XXXX showed up as hard pulls. I have attempted to get ahold of anyone in finnace at the dealership and even went to the dealership but no one returns calls and I was not able to see anyone.

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 2018-02-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX is fraudulent and has no merit or basis in 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 2020-07-24
Company: BANCO POPULAR DE PUERTO RICO
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:
Hello - Back in XX/XX/2020, Banco Popular de Puerto Rico ( or Popular Services ) issued me a rewards MasterCard through XXXX XXXX XXXX  XXXX. 

I transferred a balance from XXXX XXXX to them. 

I never received any monthly statements, calls, emails, etc. My bank has credit alert benefit and alerted me that Banco Popular reported me as not making payments and reported me late. 

I contacted them, immediately brought my account current with them and advised them I did not received any correspondence. I also asked them to correct the late payment notice on my credit, they said to contact you. 

I would just like to have the late notice removed from the report for this bank. I have a feeling you have received many complaints regarding this financial institution. I will be paying my account off fairly soon and closing this account. 

Please assist me or advise how I can remedy this. 

Thank you for time in advance. 

Sincerey, 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 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I make complaint about my credit report that was inaccurate and wrong data and it 's not 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 2021-03-28
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation