BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: EQUIFAX, 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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since XXXX and Transunion were unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX, and 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 2020-06-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried calling all three bureaus and can not get past automated system. I have also tried getting online help with those that allow that and nothing. With XXXX XXXX I can not log into my account and for some reason I am getting message information is wrong and it isn't. I have even reset my password and it still says the information is wrong. Now I can not reset because I keep getting looped back to please enter your social security number. I filed disputes on 6 accounts a while back and have not received any report back or confirmation. On XXXX  and Equifax I was able to log in but these disputes are nowhere on my account or report nor are they in my alerts. I am sure it is so with XXXX XXXX but I can not check because I can not log in nor reset my password. I am tired of dealing with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: EQUIFAX, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a XXXX balance maintained with automatic payments. The credit line is over 10 years old and secured. 
For two weeks I have been receiving automated calls with only two seconds of audio from PNC bank. Trying to log in online or call in results in a message my account access is suspended. 

Speaking to customer service only gets me directed to a physical location because the account was closed with a XXXX balance, zero transactions in six months, no notice and no authorization on my part. 

No one will explain why PNC decided to revoke my 10+ year old account, where my security deposit went, why it was closed without my consent or knowledge or how they can fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
602-15 U.S.C. S1681 ( a ) ( 1 ) : States that the banking system is dependent upon the fairness and accuracy of credit reporting and that inaccurate credit reports directly impair the efficiency of the banking system.

616-15 U.S.C. S1681n ( a ) ( 1 ) ( A ) : States any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer .. and because of negligence of the consumer reporting agency i was denied mortgage and job opportunity and demand damages be awarded.

U.S.C. S1681s-2 ( A ) ( 1 ) States the consumer reporting agency is regulated to reporting accurate information and can not furnish information on a consumers report that they deem inaccurate.

604-15 U.S.C. S1681 ( A ) ( 2 ) Consumer reporting agency can not furnish an account without my written consent 602-15 U.S.C. S1681 ( A ) States consumer has the right to privacy which was not respected in transaction from said company.

611-15U.S.C. S1681 ( I ) ( 5 ) States if information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall delete said accounts. 

XXXX XXXX  of XXXX - XXXX Inaccurate Information [ XXXX ] XXXX  of XXXX - XXXX inaccurate information [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Today CashApp took a little over {$210.00} from my account. I deposited {$250.00} into the accounts that already had {$12.00} in it because I had a payment coming in the next day for {$260.00}. I looked into my account and only saw {$44.00} left along with my payment being declined for low funds. That {$250.00} was taken from my XXXX checking account. Now I will have to pay interest on that and have to shell out another {$250.00} to make my payment. Thats now {$500.00} that I do not have to just spare. I work two jobs just to get by. I dont have the money to just throw away. Cash app said that it was for 3 previous transactions taken out on the same day. That is incorrect as I saw those transactions being taken out the same day. Now Im being charged for them again. Cash app says that the transactions went through on the same day and my payment to XXXX for {$260.00}. That is also false as their dates prove otherwise. 

I also didnt get to mention this but I had put money ( {$230.00} and {$340.00} ) into the account twice after those XXXX charges. The XXXX charges that were taken out previously. If it had an error, why did they not take the money out then. I dont get what cashapp is doing but it is robbery. 

This is the second time theyve taken money from me but this is way too much. Its affecting my day to day life now as my checking account will be overdraft by the end of the week and Ill be charged overdraft fees everyday until the end of the following week since I wont be paid again until then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
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, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2018-11-08
Company: EQUIFAX, INC.
State: HI
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 so exhausted sending letters to Equifax about this issue.. I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please step up and delete Bankruptcy : Discharged CH-XXXX XXXX, XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX I contacted Capital One Credit Card and spoke with two Reps XXXX Supervisor XXXX With Badge Id # XXXX and XXXX with Id Badge # XXXX and requested why I was Denied on my Visa Credit Card of XX/XX/XXXX and they can not give me a clear explanation on Denial. 
On my Capital One Card ending # XXXX I was given a {$250.00} credit increase on XXXX in which is vey Discriminating and Retaliating against me as a XXXX XXXX XXXX and Military Veteran. 
I have a credit scores of XXXX and paying over the minimum of {$25.00} a month and always on time since XX/XX/XXXX till Present. I pay timely schedule payments from $ 100- {$150.00} and {$200.00} each month to keep my balance and credit card utilization in prosperity. 

On XXXX XXXX I respectfully requested a Manual Credit Limit over 750 and both Supervisors stated that credit increase can only be done with their automated system. 
So on XXXX XXXX i provide it all my financial and information to Capital One Credit Card Mastercard with account ending # XXXX and I was denied and Declined. 

Capital One is Discriminating and Retaliating against me because I am XXXX XXXX and XXXX and a XXXX XXXX XXXX Military Veteran. 
Also, Capital One is Retaliating against me because I have been filing many Federal Governments Complaints against Capital One Administration. 
By the way, Capital One pre-recorded my conversation with reps on XXXX XXXX and Reps didn't tell me that my conversation was been recorded until I ask them if my conversations with Capital One Reps was been recorded and the last Capital One Rep Ms.XXXX with Badge Id # XXXX told me " Yes. '' On XXXX XXXX I made the call to Capital One from my cell XXXX XXXX XXXX cell phone.around XXXX California XXXX. I called Capital One number XXXX My XXXX and XXXX   Retirement Pension Income is at {$4500.00} a month with a 3 % COLA increas every year on XX/XX/XXXX.and my XXXX XXXX Income never decreases. 
Plus I have very low debts under {$20000.00} and I am very Financially Stabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX account number 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 : Also states a consumer reporting agency can not furnish an account without my written 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 non-monetary relief
Consumer complaint received 2023-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There are many inaccuracies in my credit report. I don't recognize this CAP ONE AUTO. The Date of Last Active differently ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX is not reporting this account. Also, if it is a charge-off account then there should be no balance on this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
HSBC refuses to return {$10000.00} sent to them from XXXX XXXX 's XXXX XXXX XXXX Account on XXXX. They have received the information requested and are free to verify content.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have tried several times to have my current address updated and to have the previous addresses removed without success. As per the request of the companies, I submitted copies of my social security card and driver 's license in addition to pay stubs and bank statements. To date the changes have not been made.

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 2018-02-07
Company: Rocket Mortgage, LLC
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: Reporting company used your report improperly

Complaint:
I have found that there are multiple abuses on the inquiry sections of my credit report knocking down my score from XXXX XXXX XXXX to XXXX! Quicken Loans went into my report onXX/XX/XXXX again on XX/XX/, XXXX  XXXX XXXX XX/XX/ again XX/XX/. XXXX XXXX XX/XX/ again on XX/XX/. This is abuse I think they are trying to keep me from buying a house in the area. I was told I don't have a credit score,  which is a lie. XXXX XXXX gave me three fico scores in XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I received these scores over the phone from XXXX. I lost the house that I was interested in buying over this playing around with my score. I want my points back. This was a great disservice and even though I have a 40 year credit history through XXXX XXXX XXXX it doesn't appear on my report. So I started over again with XXXX and I have a XXXX XXXX Credit Card 4 months ago. My score was just updated to XXXX XXXX XXXX, XXXX   XXXX had this abuse not happened I would be well into the mid 700 's, since I have no derogatory marks against my credit or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Filed ChXXXX bankruptcy in XX/XX/XXXX, included was XXXX XXXX XXXX XXXX XXXX XXXX, KY. My ChXXXX was completed and the federal court discharged the bankruptcy in XX/XX/XXXX. Over the last two years since the discharge, XXXX XXXX XXXX has continue to disobey federal bankruptcy laws and continue to change information at the their bank without my knowing to report to the credit bureau showing that the bank was n't included in the bankruptcy or to change dates, amounts and terms to hinder my credit. They have currently reported ( XX/XX/XXXX ) to credit bureau a new duplicate account showing that the original account is active since the actual discharge date of the bankruptcy I 've talked to many employees at the bank over the years, I 've even hand delivered bankruptcy papers and talked to mangers at the bank but they continue to report false information to the credit bureau. This is a horrible situation that me and my family are dealing with, we cant get a home loan due to XXXX XXXX XXXX  reporting false information. I 'm worrying myself XXXX over this and even had to see a doctor about my XXXX. I hope that you all can help me and my family. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
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: Their investigation did not fix an error on your report

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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: GOLDMAN SACHS BANK USA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In late XXXX, I became unemployed as a direct result of COVID-19 travel restrictions, and several of my credit accounts entered deferral status. I am now employed again and applied for an Apple Card, which is issued by Goldman Sachs Bank. My application was denied, because the issuers of my credit accounts, in violation of their own terms for COVID-19 deferrals, reported my accounts as past due and over limit, and Goldman Sachs knowingly relied on a credit score improperly skewed by negative information resulting from COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was offered a capital one quicksilver card with promotional offers of 0 % Apr for 15 mos and {$200.00} in rewards once you spend XXXX in the first three months. I accepted this offer on XX/XX/XXXX. I noticed that my 0 % Apr is due to expire on XX/XX/XXXX, which is only 10 mos. I contacted capital one and they said they can change the terms and I was only accepted with 9 mos interest free. My 0 % Apr should be until XX/XX/XXXX. Secondly, I was never received my {$200.00} in rewards after spending {$500.00} and I was told I was never offered it. I recorded these conversations.

Company response to consumer: Closed with explanation