BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I contacted Capital One in XX/XX/XXXX when I noted that I was a victim of identity theft based on a hard inquiry on my credit report that I did not initiate. During this communication, they indicated that it was marked as fraud. Once it was marked as fraud they told me it would be removed from my credit report without any further action. 

Today, XX/XX/XXXX, I noted that this hard inquiry remained. I contacted Capital one again and after speaking with a CSR, a XXXX specialist, and a supervisor, I was told that they would not be taking care of it, they marked it as fraud, and in order for me to get it removed I was required to send them a letter containing my name, address, telephone number, FULL SOCIAL SECURITY NUMBER, and a copy of my credit report. I reminded them that I was just a victim of identity theft and was not comfortable sending this amount of confidential information in writing and potentially expose my self to identity theft again. I offered to submit and online request or to send a letter without this type of confidential information. The supervisor, XXXX, informed me that there were not other options and if I wanted this corrected I would be required to send this confidential information how they requested. 

It is not appropriate to require a victim of identity theft to send this type of confidential information by main in order to rectify identity theft. This needs to be resolved internally by Capital One as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act Capital XXXX Auto Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX 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 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 2022-01-15
Company: CITIBANK, N.A.
State: CA
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:
My credit report went down recently due to an unknown Citicards account being listed on my credit report as an authorized user. When trying to contact Citi they won't give me any account information or take me off even when I try to verify my identity. I tried disputing it, but It was not resolved in my favor and the account is still on my report lowering my score.

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 2017-09-20
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
XXXX case not resolved to my satisfaction consumers have rights as well when it comes to Fair Credit Act they used my info without permission and that is ID THEFT i contacted all the creditors and no response so i came to CFPB for help and you have not cleared the issue. i am a victim of ID THEFT since XXXX XXXX and still haveing problems to this day. PLEASE HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: DISCOVER BANK
State: GA
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 am the consumer, original creditor and natural person. Discover Bank violated my rights by closing my credit card account -ending in XXXX without my consent or knowledge. Pursuant to 15 USC 1602, the closure of my account was unauthorized as I, the cardholder, received no benefit from its closure. Discover Bank closed my account because the alleged balance on the credit card account had not been paid however, pursuant to 15 USC 1602, the credit card account was an open end credit plan and should have no limit. Discover Bank discriminated against me by closing my account. Pursuant to 18 USC 8, all bills are the responsibility of the United States. 

Discover requested my account number in my last complaint however, I no longer have the credit card so I do not know the credit card number or account number. I have attached the notice that my account was closed and an old statements. I also attached the Discover portion of one of my consumer reports. Whether or not I have account number is irrelevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX Dear CFPB, Navient remains a thorn in my side and continues to lie, mislead and when I ask for assistance from their Office of Customer Advocate, what I get is a person named XXXX XXXX who I view and as Id imagine any judge in this country will see as an advocate for Navient ; not the customer. This is a company that is being sued by five States and the CFPB. 

As you will see in this complaint. XXXX changed a document on page 31 ( last page of attachment [ Navient XX/XX/XXXX COPY ] ) stating FALSE information in order to make me pay more interest and bluntly creating false information which has to be committal of XXXX on her part. My XXXX is attached as well, states that my XXXX was approved XXXX XXXX Approved XXXX COPY ). 

Furthermore, as you will see in her letter, she states, Unfortunately, we are unable to transfer your loan to another lender. How is this helping me as a Customer Service Advocate? On the contrary. Shes saying, Im stuck with Navient and therefore without can not have another Student Loan provider. Is this a JOKE? 

Further, furthermore, XXXX is not proving me with any loans that were already paid for before XXXX. Why would I pay for loans that dont even exist? 

This company has pushed me to defer and to claim forbearance for many many many years. Do you think me or any sane person would ask for XXXX XXXX instead of a plan that would allow them to avoid it? Are you serious? This is a joke. NO judge, I believe would put a person as such financial risk and subject them to the levels of stress, anxiety and corruption as Navient has done to MILLIONS of people. Persons they call customers. 

Here 's another lie, " Additionally, it is important to note that the majority of your deferment or forbearance requests were submitted electronically, without speaking to a representative. '' I called and spoke to your reps all the time. You just prefer to lie and say I didn't. Your track record of lies speak for itself. 

And they keep up with this XXXX, You first enrolled in XXXX in XX/XX/XXXX ; however, we first sent you notification of repayment options, including XXXX, on XX/XX/XXXX. 

I never received any information about the XXXX until I first read an article in Time magazine. I demand those year be retracted and an apology letter sent along with some major loan forgiveness asap. 

While I was studying for my second Masters and PhD, Navient was still trying to get me to take out loans. This was in XXXX, XXXX, XXXX and I think XXXX. 
The buck STOPS here Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There is an incorrect address on my report : I have not lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX sued me in a Masschusetts court for an alleged debt that they claimed to have purchased from XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX/XXXX/2017 of this year a Massachusetts judge dismissed the case in court and XXXX XXXX is still reporting this collection account as Valid. I have already emailed them about it and they continue to do nothing about removing it from all credit reports. The are in violation of the law and I want the collection account removed from all reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I summited all documents since 2018 to current that the account was included in my bankruptcy as well sent in the docket information as well. They sent me a letter telling me that they would update the statues and never updated the information. As well account was paid off the through chapter XXXX and is reporting as a collection in my report this is inaccurate information. Ive asked them to correct this several times my next step is to contact my attorney.

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 2022-01-15
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had XXXX unauthorized transactions of about {$85.00} a piece, Venmo is making little to no effort to refund these charges and refuses to give me any direct answers on will I will be recovering my funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX sued me in a Masschusetts court for an alleged debt that they claimed to have purchased from XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX/2017 of this year a Massachusetts judge dismissed the case in court and XXXX XXXX is still reporting this collection account as Valid. I have already emailed them about it and they continue to do nothing about removing it from all credit reports. The are in violation of the law and I want the collection account removed from all 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 2022-08-26
Company: Experian Information Solutions Inc.
State: CA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroneous items being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following items on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The items that should be corrected are as follows : DEPT OF EDUCATION/XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Dates XXXX, DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX-Late/Open Late Dates XXXX, Bankruptcy XXXXXXXX XXXXdismissed Filed on XX/XX/XXXX Reference number : 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 2017-07-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
Portfolio recovery sued me in a Masschusetts court for an alleged debt that they claimed to have purchased from XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX/XXXX/2017 of this year a Massachusetts judge dismissed the case in court and Portfolio recovery is still reporting this collection account as Valid. I have already emailed them about it and they continue to do nothing about removing it from all credit reports. The are in violation of the law and I want the collection account removed from all reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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: Reporting company used your report improperly

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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number

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 2021-09-14
Company: TRUIST 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: Credit inquiries on your report that you don't recognize

Complaint:
There were two credit union loans in XXXX that I do not recognize. They were made in the same exact day

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 2022-12-16
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom it may concern, I have submitted my escrow analysis with Freedom Morgage company for an update on my taxes since XXXX XXXX I have called and complain to the company on why this problem has not been fix all they tell me is call back in 8 days and they keep pushing the issue on and on. The company quoted me for XXXX a year as a Morgage payment in which, I have proven that is not XXXX its XXXX a year. The company refuses to deal with the issues nor fix the problem in which they are over charging me. I spoke with the escalation 's specialist XXXX XXXX XXXX from freedom Morgage, and she stated they received the information, and they will look into in which nothing has been done in over 2 months and I'm stuck with an overcharge for the past 8 months since we bought the house. Please help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please remove these inaccurate items from my credit report. These items have kept me from obtaining credit.

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 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-08-26
Company: EQUIFAX, 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:
The following items do not belong to me and I believe my information might have been in the hands of the wrong person. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These items are not mine and I would like them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX continues to harass both myself and my family members about a Debt that they refuse to send a debt validation letter to. I have contacted XXXX XXXX XXXX   requesting that they send me a debt validation letter and they refuse to send me a copy of the letter, when i spoke to an agent she was extremely disrespectful and told me a letter was sent out at the beginning of XXXX which i did not receive when asking for them to send me another copy of the debt validation letter as i let her know i did not receive it she refused to send one.

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