BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, My Capital One Quick Silver issued on XX/XX/XXXX came with a {$200.00} signup bonus along with 1.5 % cashback on any purchases made. 
After using the card, I've accumulated {$330.00} Rewards Balance until around XXXX of this year, XXXX. 
At some point, they locked this account while my other credit card with them was unaffected- and told me to send copies of ID, utilities, social security card. This which I wasn't comfortable of sending especially online. 
On XX/XX/XXXX they closed my account without informing me that the bonus {$330.00} cashback will be forfeited or annulled if I won't send them those documents. 
I've spoken with a Supervisor on XX/XX/XXXX, name was XXXX, and he told me he'll try to convert that cashback into Miles - usable with my other credit card with the company, a XXXX XXXX, that was unaffected by this situation. Yet today, XX/XX/XXXX, I was informed that cash back is lost for good and nothing can be done about it. 
I was left with a sour note especially that I have used this company for such a long time and always had nothing but praises for them and recommended them to all of my friends, but this experience left me with a sour note. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
A friend transferred me money because I had a personal emergency my account is frozen has been since day XXXX XX/XX/XXXX never received money I called I chatted I emailed I verified everything they asked still no money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX  XXXX card XX/XX/XXXX is paid in full I asked if they would remove this they didn't even report it closed it's still open. And it's on my report twice. As potentially late. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I paid it of still on my report showing potentially late XXXX paid still on my report XX/XX/XXXX paid XXXX XXXX  XX/XX/XXXX still showing potentially late and it is paid XXXX XXXX adjust paid still showing potentially late and open. 
XXXX XXXX paid still showing potentially late and open XXXX XXXX card still showing potentially late and open it is paid XXXX I'd over seven years and it still on my report. Inaccurate information which one was it repossessed or volunteer return. It was XXXX XXXX XXXX AND XXXX haven't sent me nothing! They are just on my report. Nothing! XXXX XXXX pay day loan, but I have received no validation notice XXXX paid no validation notice XXXX XXXX XXXX information inaccurate paid off. Still showing potentially late XXXX XX/XX/XXXX paid still showing potentially late. And no validation notice

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 2022-07-27
Company: Experian Information Solutions Inc.
State: AZ
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 the process of trying to get better credit and learn about credit applying for new lines of credit and also when I went into the car dealership I have acquired a lot of different inquiries. the inquiries are, 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 2022-06-23
Company: EQUIFAX, 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 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 a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
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:
On XX/XX/2021 I received an Alert About an Inquiry from XXXX.. I DID NOT AUTHORIZE THIS INQUIRY., And Cleary this is Identity theft / fraudulent use of my credit information, I immediately called XXXXXXXX XXXX Fraud Department on XX/XX/2021 @ XXXX Eastern Standard Time and spoke to XXXX Located in the XXXX who is a Fraud SpecialiXXXX who gave me the reference number of XXXX .. I again called on Friday, XX/XX/2021 @ XXXX Eastern Standard a time and spoke to a one XXXX Representative from the Fraud Department by the name of XXXX XXXX located in the XXXX and he noted they will delete the Inquiry from my three credit files. And a letter will be sent out to me in 7-10 business days..

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 2022-06-23
Company: Experian Information Solutions 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:
Experian credit bureau has been denying my request to remove inaccurate information on my credit report. in accordance with FCRA this company has violated my privacy rights. 

this company has the incorrect social security number on file for me 15 U.S.C. 1681 section 602a states that i have the right to privacy U.S.C 1681 section 604A section 2 states that a consumer reporting agency can not furnish my personal information or furnish an account without my written or verbal consent. 

i have not consented to the following accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- account reporting as closed XXXX XXXX XXXX  reporting as closed- only suppose tpo have one open current account with this company inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-06-23
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This morning, XXXX XXXX at XXXX, I received an email to let me know that a new checking and savings account was opened with TD Bank in my name. I called and let them know that I did not open a new account with them, nor did I bank with them. They directed me to their fraudulent line and she has submitted a claim and gave me direction to call all of the credit unions, social security office and to file a claim with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
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: Information belongs to someone else

Complaint:
ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED, XXXX XXXX XXXX Opened XXXX {$150.00} XXXX XXXX XXXX Opened XXXX {$670.00} XXXX XXXX XXXX Opened XXXX {$1200.00} XXXX XXXX XXXX Opened XXXX {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED, XXXX XXXX XXXX Opened XXXX {$150.00} XXXX XXXX XXXX Opened XXXX {$670.00} XXXX XXXX XXXX Opened XXXX {$1200.00} XXXX XXXX XXXX Opened XXXX {$2500.00}

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a dispute Dated XX/XX/XXXX in for some erroneous, inaccurate, incomplete items that are reporting on my consumer report. I received just update/ verified on the CRA 's app. I have not received any updated credit report from Transunion or XXXX. I also sent in debt validationXXXXand which not one of the CRA 's or debt furnisher validated the debt. I sent in a letter requesting proof of reinvestigation XX/XX/XXXX and gave them 15 days from the receipt of the certified letter and I still have not received any information from anyone other than verified/ updated in the CRA 's app. This is a major violation of my consumer rights per FCRA, FCDPA ... XX/XX/XXXX {$230.00}, XX/XX/XXXX {$160.00}, XX/XX/XXXX {$19000.00}, I also requested that my personal information be corrected that it reflects which I sent the CRA 's the information they requested, and they have violated my consumer rights. 15 USC 1681 ( a ) ( 4 ) there is a need to ensure that the credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. I demand all information be deleted of all personal identifiable information from my consumer report Immediately.

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 2022-06-23
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022. My Barclay credit cards were abruptly shut off due to what they call a security hold and review. Barclay credit card company is now requesting to review my tax returns. 
My credit score is almost an 800, I have never been late on a payment and always pay my balance before the end of the billing cycle. I have been a card holder for at least 4 to 5 years. I can not get any answers from them. I can not get the paperwork faxed over that they want due to their one fax machine constantly being busy for five days straight no matter what time the fax is sent throughout a 24 hour period. They have all my online access shut down I can not even review my balance. I feel like this is getting done purposely because I am using the card quite often getting a lot of points and they are not making any money off of me extra with their interest rate.

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called Transunion to dispute an auto account with XXXX XXXX XXXX for several known inaccuracies and it was " verified ''. However, the information doesn't match the original creditor information as they are reporting it to Transunion. The account was in litigation due to errors and it is still reporting. Transunion refuses to remove this account but I do not understand why. They are currently in violation of 15 USC 1681 s-2 for reporting information with knowledge of errors.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 the attached accounts and inquiries on my consumer report. Please remove them immediately. Please see the attached documentation.

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 2023-11-06
Company: BMW Financial Services NA, LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Similar to the last incident that I've reported and probably stemming from the very same issue, i believe that someone else 's account has appeared on my credit and the account was opened at the same time as another previously opened account with a rental property. Im not sure how I can go about getting these removed or getting some proof that this inst me so I cant report it the correct way. My information has leaked on the dark web and experian and various other credit sources have let me know I just wasn't aware of the ramifications of not taking immediate action. Can we please get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: CAINE & WEINER COMPANY, INC.
State: MI
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:
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX XXXX {$84.00} closed XXXX XXXX {$8700.00} closed XXXX XXXX {$740.00} closed XXXX XXXX {$280.00} closed XXXX XXXX {$500.00} closed in accordance with fair credit reporting act XXXX Account # XXXX, has voilated 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 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 2022-07-27
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: Investigation took more than 30 days

Complaint:
I received a copy of my consumer report from Equifax and noticed several incorrect items listed under my personal information section, as well as accounts. I sent in a request for validation letter for these accounts as well as an updated list of the correct name address and other personal information around XX/XX/XXXX to Equifax dispute center in XXXX, XXXX  These request were ignored. None of my information was updated. The false accounts were never properly investigated and refurnished on my report, drastically dropping my credit score. I explained that under the FCRA, permissible purpose states that accounts XXXX be reported only with the written consent of the consumer involved, which at no time was ever given. Also the FCRA clearly states that any and all accounts furnished on a consumers report must be validated and investigated with proper documentation deemed compliant with the FCRA. At no time was any documentation produced for any account that was listed. I sent several letters stating there were several violations that they were committing on my behalf and their negligent noncompliance has caused several hardships in my life emotionally, financially and relationship wise. As a result I have suffered from several denials and and have been limited in life. I beg for help, please someone hold them accountable for their actions. Its never ok to break the law! The year XXXX is half way over and I am still fighting for my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2021 I sent a letter to the BK court in XXXX XXXX, NV, and asked how and with who they reported my information about my BK and they stated the BK court does not report information to any credit bureaus. So in return, I wrote a letter to the company that is reporting my BK and asked them what was their process for verifying the BK that they are reporting and after the credit bureaus stated that they got the information from XXXX. On XX/XX/2021, I received a letter from XXXX stating that they received my correspondence and the investigation was completed the findings followed, they deleted the information from their records case number XXXX because they were unable to verify the accuracy of the bankruptcy within the required timeframe outlined by the FCRA and it's removed from the record of my XXXX report. I then sent the letter from XX/XX/2021 from the United States Bankruptcy Court District of Nevada and the XXXX report stating all this information and then sent a letter back stating that it's verified through XXXX. This is IMPOSSIBLE when there is no record of a Bankruptcy on my XXXX report. I want this DELETED IMMEDIATELY from all 3 bureaus because it's not 100 % ACCURATE at all! My personal information is as follows and any other names, addresses, or employment also needs to be removed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ADDRESS, XXXX XXXX XXXX XXXXXXXX XXXX XXXX THIS INFORMATION SHOULD ONLY BE REPORTED.

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 2022-06-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy I dont want this account reporting on my credit report. 

15.U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy I dont want this account reporting on my credit report. 

15.U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

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