BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is 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 non-monetary relief
Consumer complaint received 2022-06-15
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My parents took out a HELCO loan with XXXX  XXXX XXXX in XXXX for property that was in the XXXX family trust in XXXX Nevada. Fraud occurred in by an XXXX agent ( XXXX XXXX XXXX ) and police reports filed. XXXX XXXX XXXX suspended payments until court adjudacation. XXXX XXXX also stole money from my father 's annuity however XXXX XXXX refunded money and terminated XXXX XXXX. 
Both parent XXXX are now deceased ( XXXX XXXX ) and XXXX ( XXXX ) All copies of family trust, death certificates, police reports and authorization that I am successor trustee has been provided repeatedly to B of A. They sold the HELCO loan to XXXX in XX/XX/XXXX. I have called every week and XXXX will not speak to me only to my late father. At the same time, they are charging interest every month yet will not let us settle the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Since XXXX I have been disputing the alleged account with Barclay Bank of Delaware, I have made several attempts for the furnisher to provide me with evidence of which I owe this alleged debt, the method of verification providing the name, address, and telephone number of the persons that verified this debt, the original signed contract bearing my signature, I even showed evidence via my credit reports that the furnisher was reporting inaccurately to XXXX, XXXX, XXXX, with inaccurate, incomplete, blank or missing information such as account numbers, high balance, credit balance, dates open, reported, last reported, account type. 

And the furnish still reported to the consumer reporting agencies as verified and accurate. It has been more than 5 years of inaccurate reporting, which is past the statute of limitations in CA, I have also asked if they are licensed to report and collect in my state and provide me with this evidence and have still failed to do so. 

On XX/XX/XXXX I was served a lawsuit by XXXX XXXX XXXX, that were unable to provide me with viable evidence of the original contract bearing my wet ink signature, who simultaneously was attempting to collect the same debt as Barclays Bank of Delaware. I contact both XXXX XXXX XXXX and Barclays requesting evidence, and neither XXXX XXXX XXXX and Barclays failed to provide evidence. 

Barclay continued to report inaccurately without providing evidence even after XXXX XXXX XXXX stopped reporting. As of XX/XX/XXXX XXXX  and XXXX  have stopped reporting as there were unable to provide evidence from this alleged account that beared my wet ink signature.

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I've made several attempts to gain access to my TransUnion credit report to find out why I can not log into my account on the website... They blatently say that the owner of the website has " restricted '' my access! For some reason they're hijacking my account where I can not see what is on my credit report... I have multiple times try to access my credit report online, and it refuses to gain access for me to look at my credit report and to find out if there's any erroneous information that needs to be removed. I just called and they just hang up right after answering the phones... they are not allowing me, access my account for me to review. The fraud alert information they have on my account is incorrect they have my phone number incorrect, therefore I am making attempts to correct their typos. I don't know what else I need to verify so I can go and make the necessary corrections. These credit reporting companies are privately owned companies that report harmful and erroneous information on a regular basis! They need to be removed from the United States of America immediately! As a mortgage banker for over 40 years we never used any credit monitoring system before the XXXX 's!!! People in America bought millions of homes, cars and consumer goods without their bogus services! Eliminate their harmful and discriminatory credit reporting practices! Please BAN their services from doing business in the United States of America!

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 2022-06-15
Company: AMERICAN EXPRESS COMPANY
State: NY
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 have this Amex XXXX XXXX XXXX with Amex. I enrolled their new benefits called entertainment credits and paid my XXXX  streaming service with it. I contacted Amex and confirmed that my purchase in XXXX is qualified and would receive the promised credits soon. As of XX/XX/XXXX, there were two missing credits ( {$5.00} each ) so I opened a case with them ( reference number XXXX ). As of XX/XX/XXXX, I received one of the two missing credits but Amex refused to pay the second missing credit. 
I request them to investigate my XXXX purchase with XXXX but there is no response so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are 13 Accounts on my credit report that do not belong to me I have disputed this with the bureaus and furnishers and I am getting nothing back. I am spending so much time on these accounts and they dont even belong to me I am trying to see why nothing is being done for this. 

XXXX/XXXX  - XXXX - Amt {$1600.00} XXXX  XXXX XXXX - XXXX  - Amt {$4300.00} XXXX  XXXX XXXX - XXXX  - Amt {$5800.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$4200.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2400.00} XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} XXXX XXXX - Acct # XXXX Amt {$26000.00} XXXX XXXX  XXXX/XXXX  - Acct # XXXX Amt {$590.00} XXXX XXXX XXXX - Acct # XXXX Amt {$870.00} XXXX XXXX XXXX - Acct # XXXX Amt {$3000.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$700.00} XXXX - ACCT # XXXX Amt {$3000.00} XXXX XXXX XXXX  - ACCT # XXXX AMT {$10000.00}

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 2016-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a savings account with Capital One 360, looking to get their signup bonus. On the account confirmation screen after I had successfully opened the account, it confirmed that I could earn a bonus by maintaining a certain balance for 90 days. I then transferred {$36000.00} into the account and called in to confirm that it would all qualify for the promotion. I was told that I had an ING savings account 8 years ago, which disqualified me from the promotion, even though it clearly stated on the confirmation page after I opened the account that I was eligible ( I have a screen shot of this page, and it is very clear ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14
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: Information belongs to someone else

Complaint:
I am disappointed seeing no change was made to correct the erroneous reporting done by the following accounts on my Credit File. Again, I was a victim of identity theft. I have been sending dispute letters to the Credit Bureaus requesting that they delete the disputed items from my Credit File. The letter I sent last XX/XX/XXXX was my third request already to block or remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any account not later than 4 business days after the XX/XX/XXXX. Ive already included this report in a previous complaints & I am including it again. Also, the information that some Credit Bureau provided on account is UNKNOWN to me and REMOVED from other bureaus and I have doubts in the accuracy they report on my Credit file. I need the following accounts removed now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This complaint is to notify the Credit Bureaus that if they do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit reporting agencies accountable for their willful noncompliance. This will be my FINAL WARNING. Please BLOCK AND REMOVED the ACCOUNTS resulting from the identity theft.

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 2018-11-19
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, Credco company called to offer to refinance my home. I told the representative and underwriter that i am on bankruptcy but without further understanding my case, they went ahead and submitted a hard inquiry. 

Pls block this inquiry as this misinformed staff just were as eager to get a transaction without considering to protect customers like me who are subjected to a 9 points hit on my credit score as an aftermath of this.

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 2023-07-20
Company: LEXISNEXIS
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:
This is a follow up on my complaint regarding the reporting of charged-off medical debt on my credit report. 

I have provided proof that the debt has been settled to a zero-balance and that I am a veteran. These factors suggest that LexisNexis may be required to remove the charged-off medical debt from my credit report. 

I understand that you have attempted to reach me via email to obtain additional identifiers, but that you have not received a response back. I have attached a copy of my government-issued ID and a bill dated within the last 60 days as proof of my current address.

I am writing to you today to request that you take immediate action to remove the charged-off medical debt from my credit report. I am concerned that the continued reporting of this debt is having a negative impact on my credit score. I have attached a copy of my complaint to the CFPB. I am hopeful that you will take this matter seriously and resolve it promptly. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Ive been waiting for at least a month for credit decision and application to be approved for credit card and I called the security dept and they were rude to me and kept saying that they never receive the documents from and I mailed them since XX/XX/XXXX and I send it priority mail and I also fax it in on XX/XX/XXXX and still no decision on my application and no one isnt helping me and ... I talk to a young lady from the security dept and she was acting unprofessional and told me it was a waiting game and told me i cant Jump ahead of customers and the documents come in .. in the order of receive and Ive been sending at least 3 documents and she also said if I keep on sending documents again that it will start the credit decision all over again my application number is 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 2016-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Capital one card that I had was stolen and used and they have put it against my credit will not let me dispute things closed my account refused to work with me added so many extra charges and will not listen to me even though the same year someone tried to file taxes in my name I had stolen identity but they still will not listen and keeps charging me more and screwing up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-07-14
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries listed above 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 2018-11-19
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:
On XX/XX/2018 and XX/XX/2018, I sent letters to TransUnion disputing incorrect public record, Bankruptcy Chapter XXXX-dismissed Texas. XXXX and XXXX were also contacted, they investigated and determined that the information was incorrect and the accounts were deleted from XXXX and XXXX. I requested for TransUnion to send me the name of the person that verified the information at the Bankruptcy court, the date it was verified and the name of the third-party person that was used to provide them with a verification. I called TransUnion on three occasions to follow up on the disputes and was told by specialist the information was verified. I was told by XXXX, Supervisor, that he could not provide me with that information. I called the court and wrote the court and I received a letter that they do not provide a debtor 's full social security number. So how did the third-party the credit bureau verify this as my account without having the full social used from the court?

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 2023-04-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Consumer ID : XXXX ChexSystems, XXXX XXXX : Consumer XXXX XXXX XXXX XXXX XXXX, MN XXXX I am XXXX to dispute the negative report that was placed on my account by ChexSystems. I was recently informed of a negative item reported by XXXX of XXXX included in the file ChexSystems maintains under my Social Security Number. According to your records, I have found an entry from the XXXX of XXXX listing a suspected fraud activity on XX/XX/2018 that is preventing me from opening a new checking account. I am unaware of ever having a checking account with XXXX of XXXX. However, I believe that this report is inaccurate and unfair. Please validate this information with XXXX of XXXX and provide me with copies of any supporting documentation for this. In absence of such documentation, I ask you to please delete this information from my ChexSystems and send me an updated copy of my report. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( sce 15 USC, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC. CEPB d the state of Minnesota Attorney General 's office, should you continue in your non-compliance. 
I understand that ChexSystems is responsible for maintaining the banking records of individuals, and that this information is used by banks to determine whether to approve or deny applications for checking accounts. However, I believe that the information that was reported by ChexSystems is incorrect, and does not accurately reflect my financial history. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims tion against your company. I will be seeking {$5000.00} in damages for the following : Defamation of Character Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act Thank you for your attention to this matter. I look forward to hearing back from you regarding the outcome of the investigation Best Regards, 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 2021-05-24
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company LVNC Funding, LLC has never been able to verify or send valid information of this debt after several of my attempts over the past 2 years. The debt is {$920.00} with XXXX XXXX XXXX. 

Finally, I contacted them last week at XXXX to ask for an agreement in writing. This agreement from me was that, if I pay a certain amount, they will remove this debt that doesn't belong to me from my report. 
They told me that they no longer own the debt and that it was sold to XXXX XXXX XXXX, who I contacted at XXXX. 

I called XXXX XXXX XXXX to ask for this pay to delete letter and they stated that, they are not authorized to collect from the State of Florida, where I live. They said that they will send the debt back to LVNV Funding to collect from me. I called LVNV right back to explain this and they said " Oh well once we get the debt back, we will send you a notice ''. 

They have not proven that this debt belongs to me. I disputed twice and a credit repair company disputed once. It was been removed and replace on my XXXX and XXXX  reports under different collectors. I want this item removed for good. They keep shuffling it around to creditors who are not authorized to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX {$6800.00} I FILE A FTC REPORT AND NOTIFY XXXX EXPERIAN XXXX ABOUT THE FRAUD ACCOUNT LISTED ON MY REPORT. IT TOOK LONG THAN 30 DAYS AND STILL NO RESPONSE ARE REMOVER OF ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act USAA, has violated my rights.

15 US 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation