BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
My wife and I went to look at vehicles for purchase. We were trading in our XXXX  for another XXXX. The asked us how our credit XXXX  scores were. I said XXXX hundreds. We were successful I. Getting the car. The next couple days following I would see my credit score go increasing lower due to extreme inquiries from car loan banks hitting my credit report. I did not tell the salesman it was okay to pull my credit. I told the. To wait until I looked around. Its unfair that banks can do that to a persons credit. Im right in the middle of trying to refinance my home and was denied do to wrongful credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
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 fraud alerts or security freezes

Complaint:
I tried to lift a security freeze on my credit report online, which I have done with Experian several times. I was unable to do that successfully today, after trying multiple times. 
Since I am applying for a home mortgage loan with XXXX, the time line is critical. I called their security freeze line and typed in my information. They advised I had to write in with proof of address change, identity, etc. This is a severe inconvenience. I had no problem doing this with XXXX and XXXX. They need to update their systems or get out of the business. I have had problems with them previously when applying for home loans, as they don't update their information and there is no one to talk to who can resolve the situation.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is reporting an account with XXXX XXXX XXXX  on my credit report. Pursuant to the Fair Credit Reporting Act Section 604 ( a ) 2 I XXXX XXXX XXXXnstruct Experian to block this account from the credit report of XXXX XXXX immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # /ref # XXXX Has violated my rights. 

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 items 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 non-monetary relief
Consumer complaint received 2018-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have two typical credit cards from Capital One and they are both showing a past due payment mark for XX/XX/2017 on the credit agencies reports. 
All other payments have been on time and I have no recollection of any being made late. 
I believe these were reported in error as all other accounts I own were also paid on time that same month, and every month. 
I reached out to Capital One by phone, they were not helpful, I was on the phone for about 45 minutes, put on hold several times, but the customer service rep eventually agreed to file a dispute for each, but then explained that it could basically take months before they will reply. Never asking me for any other account information, etc., I'm not sure this will be resolved by them, not even sure if the disputes were actually filed, so I am asking for assistance. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: IN
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 were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I received two checks from XXXX XXXX in the amount of {$5000.00} and {$500.00} which I deposited into my checking account. The rent was to cover 2 months. On XX/XX/2023 the bank send me a " Notice of Delayed Funds Availability '' for {$5500.00}. The reason was they stated that they believe the funds would not be received by me, as the check information was inconsistent. On XXXX XXXX XXXX I received another notice that the information was inconsistent, and they would hold the funds 90 BUSINESS DAYS until XXXX XXXX XXXX  I reached out to several branches in person and over the phone, and was told they could not speak to me. In the meantime, I reached out to potential XXXX  and provided them copy of the letters. They discussed with their bank, and their bank Said Citizens did cash the checks and were in possession of the funds. Yesterday, XX/XX/XXXX, the XXXX came to the house. We were forced to cancel the XXXX as I was not in possession of the funds. This will result in me loosing {$2500.00} in XXXX income. At that time, we reached out to their Bank, XXXX XXXX, and was advised by their branch manager, that to date ( 40 DAYS ) that the Branch nor back office of bank has ever had any communications via phone or in writing from Citizens trying to verify the authenticity of the check. My complaint is, is it legal for a bank to hijack funds and sit on it for 90 Business Days? Aren't they under some type of obligation or regulation to resolve the issue right away? Why did they cash the check if they questioned it? Why haven't they reached out to XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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: Information belongs to someone else

Complaint:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My brother and I went to m & t bank in XXXX NY. With a promotional ad for XXXX sign up bonus to open choice checking account. So we both opened accounts. Well, 90 days and well over 4,000.00 worth of deposits between the two accounts. We are told the wrong promo code was entered. Between secure email. And phone calls finally get told wrong promo code was entered. And person is unavailable. Have called corporate customer service. That's how I found out about the wrong promo code. Still no resolve.

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 monetary relief
Consumer complaint received 2023-09-01
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Have Been A Victims Of Identity Theft upon getting denied a credit union. I have reviewed my credit reports, and I have accounts that were opened in my name, Debt collectors mailing me stuff in the mail. I lost my social security card and drivers license on approx XX/XX/XXXX, Since then I have reported the identity theft to the social security administration and got a new drivers license, the accounts that are identity theft I will list below XXXX XXXX XXXX XXXX XXXX XXXX  opened on or about XX/XX/XXXX XXXX ) XXXX XXXX XXXX opened on or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( auto ) opened on or about XX/XX/XXXX XXXX ) XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX XXXX Date Filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below XXXX ) XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender opened on XX/XX/XXXX XXXX ) XXXX XXXX date filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below XXXX ) XXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX ) XXXX XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX  opened on XX/XX/XXXX XXXX ) XXXX XXXX Bank opened XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  opened on XX/XX/XXXX All of these accounts were not authorized by me. I also have multiple inquires on all my credit reports that were not authorized by 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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXXredit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX, GA 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 2019-12-11
Company: CITIBANK, N.A.
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:
Citibank credit card I have reported that my credit card is not on file with all three credit bureaus esp. Transunion credit bureau. There was no dispute of any kind with Citibank. Two decades of open credit history is completely vanish from my credit report with Transunion, Experian and XXXX. I open my credit card back in XX/XX/XXXX. I contact Citibank credit card to report the problem and was not successful with speaking to the department who deals with this sort of issue. I was told by Citibank credit card representative that the department who handles these sort of things does not have a number where I can contact them and speak to someone over the phone they only had a fax number. I fax that department on XXXX, XXXX and XXXX of XXXX. I have reported enough information and made a full statement to Citibank three times this year. I mail a letter to them with my private information credit card number, last 4 digit of my SSN, full address and telephone number and email. I have yet to get a response from Citibank concerning this very important issue and here we are in the month of XXXX. No Word From Them What I will like for consumer financial protection bureau to do is run a compete investigation on Citibank credit card to see why my credit card is not on file with all credit bureaus. This matter have taken me by storm because my credit score has drop below 600 because my credit report shows I have NO CREDIT. Right now it shows I have no credit at all which put me at bad credit because 20 years of credit history with Citibank has vanish from my credit report. My main concern is for Citibank to REPORT my credit card to XXXX, XXXX and XXXX each month and show proof that each credit bureau show my credit card with Citibank.

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 2018-12-06
Company: HYUNDAI CAPITAL AMERICA
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 refinanced a lease vehicle and hard inquiries were sent to several financial institutions. I was not aware that this would happen, only after the fact. While I do no think it was the dealers intention to wreak havoc on my credit report, it certainly was not a necessity to inquire with several different institutions, since at the time of financing my credit score was " Good ''. 

I am requesting that the hard inquiries, as follows, be removed : XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX  XXXX I XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report for the first time in 10 years and I have derogatory items that is not mine including multiple bankruptcies. These accounts are fraudulent and need to be deleted. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out a private student loan with XXXX XXXX XXXX which is now  American Education Service between XX/XX/XXXX and XX/XX/XXXX. I still owe approximately {$40000.00} which is more then the loan amount I took out eventhough Ive been paying on it for several years. I read an article that they were being sued by CFPB. I need help with this. I cant get any help from AES to pay this debt off and my payments keep going up. I believe I was one of  those who was affected in the lawsuit however I cant find any information on whether my debt with XXXX/AES will be forgiven.

Company response to consumer: Closed with explanation