BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Square Inc
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted Square Inc to send me statements for my form 1099b but no action was taken. The deadline for filing taxes is around the corner and need my form 1099b and statements

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: EQUIFAX, INC.
State: NH
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 submitted the exact same disputes to all 3 credit bureaus on XX/XX/2019. XXXX   and XXXX received, processed and gave me results within 30 days. Equifax received my dispute on XX/XX/XXXX and then didn't process it until XXXX XXXX which is when they started their 30 day window. When questioned they stated that it due to their internal mail handling practices and processing time for the documents I provided. They suggested if I submitted it electronically it would have taken less time, except their site is unreliable and I was unable to do so. 

I understand they rules to be that they have 30 days of receipt to do their investigation, This company added 12 extra days based on their own internal process which is unfair to consumers. Please hold them accountable for this, Equifax has a history of not being consumer focused and this is simply another example.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: DISCOVER BANK
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Discover Bank restricted my XXXX account upon a fraud claim by a person I sold a good on XXXX That was a false claim and that person told me that he cancelled the dispute. No matter how many times I've called them, they couldn't help me with activating back my account to made me call to them and XXXX back and forth. Now I can't use and enroll XXXX through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: JPMORGAN CHASE & CO.
State: GA
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:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: CA
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 account # XXXXXXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX account # XXXXXXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An acct was opened from a business partner and put the account in my name and then over drafted the account tremendously. XXXX XXXX was the business name. In the end of XX/XX/XXXX thru XX/XX/XXXX. I have not been able to open another acct with wells Fargo since.

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 2020-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Bank has placed a delinquent status on my credit reports. This information is inaccurate. It was placed on XX/XX/2012. This is affecting my ability to obtain credit and hurting my credit scores tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting 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 Fair Credit Reporting act XXXX  account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: LEXISNEXIS
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:
I sent a letter on XX/XX/22 to XXXX, XXXX, and LexisNexis to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reference XXXX : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account does not belong to me. I have tried continuously to dispute it and it has yet to be removed. I have not received any information from this company Showing why Im being charged this. The company it was sold to has already removed their account but this original creditor still shows.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2020 I enrolled in a consumer credit reduction plan. I have two accounts with American Express that I enrolled in the plan. American express denied my enrollment of their products in the consumer plan because they claim I have a XXXX dispute on my account. I called them and they got me on the phone with Customer Service. The customer service agent verified that they could see that the XXXX dispute should not be on my account. The credit management representative assured me that this would be escalated to his supervisors and that it would be removed from my account. A week later I called into check on the status and was told the dispute still had not been removed. I refused to get off the line until I spoke with a supervisor. This supervisor again got american express customer service on the line and they verified that the dispute was their fault and was not correct. The customer service supervisor assured me that she had fixed this error while we were on the phone. She told me it could take two days to show up in their system. I called in two days later and sure enough it was not fixed. I asked to speak with a supervisor again and he assured me that it was moving through the process but that it still wasn't showing up in the system. Almost a week later I called in again and the dispute is still not fixed. Until this dispute is taken off my account I can not enroll these accounts in the debt management program. I have had to pay extra interest and fees because American Express is taking so long to fix this error. I have spent hours on the phone and they tell me a supervisor will return my calls and they don't. It is ridiculous that they can not quickly fix this error so that my debt management account can be complete. I am so frustrated that they keep telling me it's taken care of and it is not. I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
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: Public record information inaccurate

Complaint:
I have a bankruptcy reporting on my credit reports along with several accounts that are related to that bankruptcy. I have made many attempts to get these errors corrected. I have also made many trips to the courthouses in my area in an attempt to locate the bankruptcy that is on my credit report. My search has not resulted in any public records that are in my name with my social security. My hopes is that XXXX XXXX can aid me in initiating a thorough investigation by the credit bureaus and the removal of the bankruptcy. I have attached the bankruptcy, inquiries and related accounts to the public record.

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 2021-06-30
Company: EQUIFAX, INC.
State: GA
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 am completely appalled and disgusted that you guys cant seem to get right. i sent letters over 45 days ago ( XX/XX/2021 ) regarding the fact the you guys are reporting inaccurate information on my consumer report. it is up to you guys to uphold the law that was set to make sure my rights were protected as a consumer and you cant even respond to my LETTERS stating that you have received them or even update my credit report showing that a dispute has been open and its been 45 DAYS!!! what kind of company cant follow the rules stating a company must reply with their investigation results in 30 days. i want you guys to immediately remove all inaccurate derogatory accounts there were listed in my letters since you guys cant follows the rules properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Was continuously charged over draft fees from Wells Fargo bank when I had money to pay for the smaller amounts and they would withdraw larger amounts first leaving the smaller amounts with overdraft fees

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 2021-07-10
Company: WELLS FARGO & COMPANY
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I need to know where my income tax went

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 2021-06-30
Company: Experian Information Solutions Inc.
State: OR
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 did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
1. XXXX XXXX - XX/XX/21 2. XXXX - XX/XX/21 3. XXXX XXXX - XX/XX/21 4. XXXX - XX/XX/21 5. XXXX  XXXX XXXX - XX/XX/21 6.XXXX  XXXX XXXX XXXX XXXX XX/XX/21 7. XXXX XXXX - XX/XX/21 8. XXXX  XXXX XXXX - XX/XX/21 9. XXXX XXXX XX/XX/21

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One continues to send me clickbait promotional pre-approval to apply for Credit Cards with no intention to keep my account open. This is the second time this happened that I applied for a Credit Card using a Pre-approval received in the mail, only for the account to be closed a week later. 

Capital One is taking advantage of vulnerable consumers who are working hard to re-build their credit history and are more likely to apply for a pre-approval for credit to start rebuilding their credit. I've spoken to someone from Capital One on XX/XX/XXXX, whom agreed that it's not right to send pre-approvals to consumers who are " blacklisted '' in the system with no intentions of actually keeping their account open, but there is nothing that can be done. 

This impacts my Credit Report, and now I have to wait 18 months for it to drop off. 

I also waited 30 minutes on XX/XX/XXXX on the phone as I requested to be taken off all promotional services advertisement in Capital One because they are misleading, but the Customer Service representative ended up NOT removing me and just telling me to call back at another time. They are not executing requests to be excluded from advertisements upon request by the consumer. 

Here are the notable events : 1. In XX/XX/XXXX, received a " promotional pre-approval '' in the mail from Capital One for a Quicksilver Credit Card. 
2. On or about XX/XX/XXXX, acted on pre-approval, received a Credit Card a week or two later. 
3. A week after having the Credit Card, my account was closed. I called in on XX/XX/XXXX and received no information. I filed a separate complaint with CFPB regarding the incident. 
4. On XX/XX/XXXX Capital One called me and said ( for the first time ) why I was removed which was some high level business reason ( no bad history with Capital One ). In any case, they said they can't remove the inquiry. They agreed its bad consumer practice to send advertisement to consumers that are blacklisted in the system, but said it is what it is. 
5. On the same call on XX/XX/XXXX - I asked to remove my information from any promotional advertisement, they transferred me to some department. I spent 30 minutes on the phone and the customer service representative ended up NOT removing my information and said to call at another time. 

In summary, there is some scheme going on at Capital One to open accounts ( maybe a business reason ) without intention to keeping them open and also to make it impossible from consumers to be taken off advertising lists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
each time I send a dispute letter to the credit bureaus they either dont reply or they send back a letter stating they couldn't find me. Even though I provide my full name, address, and SSN #.

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