BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
CFPB is not providing any document bearing my signature, where Capital One proves with documents, that there was any individual responsibility from me ( which was never signed at all ). I do not agree CFPB closing the complaint without investigating properly, and asking for legal evidence for complaint XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX, XXXX. I believe it was reporting in error.

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 2018-12-17
Company: ROBINHOOD MARKETS INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I opened a new account with Robinhood an online brokerage/high yield savings and checking account. Immediately after opening this account I had questions about where my money was being transferred to and held. It appears during the sign up process, I was under the impression it would be moved into the newly created Checking account, however it was instead moved into their brokerage account which was done on my behalf. After realizing I did this, I emailed their support team numerous times to clarify the transfer of funds. I did not get a response. The next day, I continued to reach out and have been doing so since, without a response from their team. I've emailed them numerous times and have attempted to call but got a voicemail recording that states to email customer support. 

I've reached out to the bank where the funds were being transferred from and they are unable to do anything because the transfer has already been initiated. 

I am at risk of losing a significant amount of money and have no recourse to understand where it is and how to get it back. I am seeking your assistance to rectify this situation and return my funds back to my original account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Bread Financial Holdings, Inc.
State: PA
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:
XX/XX/2023 Someone tried to open a credit account with XXXX XXXX XXXX Someone tried to open a credit card account with Comenity Bank/XXXX Within XX/XX/ Someone tried to open a credit card account with XXXX XXXX XXXX Someone tried to open a credit card account with Comenity Bank for a XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$6500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00}.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: AZ
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 complained a thousand times, yet you used old complaint to close new complaint, I was identity thefted yet no one will do thier there should be no inquiring on my reports and the accounts I've been disputing in never fixed or investigated. I am now reporting that XXXX, XXXX, exsperian and CFPB have all committed fraud that report is going to FTC, IC3 and department of Justice, you all are fraudulent lying about investigations, using old results for new complaints. Do what you will but I won't stop till I'm Paid very well or you all loose bussiness license.

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 2017-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit reporting agencies not providing a updated credit report with update scores. Not deleting negatives wordings, and collections after Bankruptcy XXXX XXXX, Texas Federal Judge Discharged bankruptcy XXXX on XXXX XX,2016. This is a major Retaliation and Discrimination against me as a XXXX Military Veteran. There is many errors on my credit reports.

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 2023-08-23
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The account with XXXX XXXX XXXX  opened XX/XX/XXXX reflects as a closed account how can the account be closed and written off and past due as of XX/XX/XXXX this information is inaccurate and incomplete and is affecting my rights as FCRA LAWS and I want this account removed from my credit report the law states all information on my report should so accurate and complete this account was closed XX/XX/XXXX a closed account can not reflect a past due balance this makes this account incomplete and inaccurate Please remove this information from my report per my FCRA RIGHTS The law that has been violated is 15 U.S.C Sec 1681i ( a ) The account with XXXX XXXX XXXX  opened XX/XX/XXXX reflects as a closed account how can the account be closed and written off and past due as of XX/XX/XXXX this information is inaccurate and incomplete and is affecting my rights as FCRA CONSUMER LAWS and I want this account removed from my credit report the law states all information on my report should so accurate and complete this account was closed XX/XX/XXXX a closed account can not reflect a past due balance this makes this account incomplete and inaccurate PLEASE delete THIS INFORMATION FROM MY REPORT PER MY FCRA RIGHTS The law that has been violated is 15 U.S.C Sec 1681i ( a ) Its your job and my right for you to report accurate and complete information and you all and the bureaus have fail me as a consumer to report a fair 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 2022-10-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Am a natural person I am a living human being I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX In accordance to the fair credit reporting act that i have the right to privacy also violated 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not furnish anything without my written or oral consent i will be doing a arraignment with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
End of promotional period not communicated clearly and frequently on monthly payment reminder EMAILS. 

Purchases XX/XX/XXXX & XX/XX/XXXX from XXXX XXXX/Commenity Card - same as cash promo. 

Commenity pushed to switch to paperless billing at the onset of the payments, which in turn sends out a summary email each month that it's time to pay. with my balance and min payment due. There is NO CALL OUT WHEN INTEREST FREE PROMO PERIOD is ending which is deceptive as you are now relying on them to summarize what you owe off the emails. They train you not to look at your statements with an easy to click Make a PAYMENT BUTTON. 

In smaller print ( if you scroll down on the email ) which I just noticed today. It says be sure to check when your promo period is ending to avoid interest. 

I had a surprise interest charge on my XX/XX/XXXX statement, over $ XXXX in interest. Had to dig through the prior statement on XX/XX/XXXX that the promo period was ending. This disclaimer to my suprise was called out in red, yet they did not call it out in RED on the SUMMARY EMAIL they sent to collect my payment. They need to provide more transparency vs. check your statements in smaller print out of sight lower on the screen. 

I have paid off the principal balance when I discovered this last night. The interest is left to pay. I am within the 30 day dispute period on my latest statement and have talked to 3 managers at Commenity today. Have asked them to continue to escalate until I can get resolved. They have stated they are following their policy and will not remove the interest charge. It was not communicated clearly and frequently in their topline email WHEN the promo period was expiring. Feel they could have been more transparent here so I clearly knew this each month vs. having to dig thru statements which they trained me away from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made a payment paying the full balance on XX/XX/22 payment cleared bank XX/XX/22. I called to rectify the issue, they advised that there is nothing they can do. Funds will be available on XX/XX/22. I requested to speak with a supervisor. The representative placed me on hold for 45 minutes and eventually terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Blackhawk Network Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I processed and received a prepaid VISA card from XXXX  sometime after XXXX. The amount should have been {$70.00}. 

I went to activate the card and can not because the expiration date is already passed XX/XX/2021. According to PA law, an expiration date of less than a year from issue is illegal. 

XXXX XXXX XXXXXXXXand-XXXX XXXX : ~ : text=The % XXXX % XXXX % XXXX % XXXX, for % XXXX % XXXX % 2012 % XXXX. 

I called MyXXXX the company who issued the VISA and they state that I can not be reissued a new card. The money on the card is forfeit and I have no recourse to fix the situation. When I stated that the law and their policies are at odds, the woman scoffed at me on the phone and said there's nothing they can do. 

I've attached a copy of the invoice I submitted to verify the purchase date that went along with the rebate. Assume most of these cards take 6-8 weeks to process and be shipped, the card had maybe a 9 months before it expired. 

I'd like to know how to get my money back or warn others not to trust this company 's cards as they will rob you blind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results. XXXX I do not own the debt that they are reporting I sent them a letter and never received anything back from them. I filed a complaint with CFPB they stated that they have the info that I was requesting showing that the debt was mine they have yet to provide me with those documents and its been 30 days remove this account off my credit report asap. State of MD the same case sent certified letter and filed a complaint and nothing remove this account. XXXX said that I was late never showed proof to me and never sent a charge off statement that by law they have to send to me please remove this account. XXXX XXXXXXXX was shown as charge off this account was never a charge off it was just a closed account that needs to be removed been its been on my account past 7 years.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: LA
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:
The account with XXXX XXXX XXXX  opened XX/XX/XXXX reflects as a closed account how can the account be closed and written off and past due as of XX/XX/XXXX this information is inaccurate and incomplete and is affecting my rights as FCRA LAWS and I want this account removed from my credit report the law states all information on my report should so accurate and complete this account was closed XX/XX/XXXX a closed account can not reflect a past due balance this makes this account incomplete and inaccurate Please remove this information from my report per my FCRA RIGHTS The law that has been violated is 15 U.S.C Sec 1681i ( a ) The account with XXXX XXXX XXXX  opened XX/XX/XXXX reflects as a closed account how can the account be closed and written off and past due as of XX/XX/XXXX this information is inaccurate and incomplete and is affecting my rights as FCRA CONSUMER LAWS and I want this account removed from my credit report the law states all information on my report should so accurate and complete this account was closed XX/XX/XXXX a closed account can not reflect a past due balance this makes this account incomplete and inaccurate PLEASE delete THIS INFORMATION FROM MY REPORT PER MY FCRA RIGHTS The law that has been violated is 15 U.S.C Sec 1681i ( a ) Its your job and my right for you to report accurate and complete information and you all and the bureaus have fail me as a consumer to report a fair 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 explanation