BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: FL
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:
This is a response to complaint XXXX To Whom It May Concern, You stated that these inquiries are a matter fact. PROVE IT! I asked for you to provide validation of these inquiries and you failed to do so. I will ask one more time to provide validation. You also stated that per the FCRA these inquiries are not routinely removed. I really need to pay attention to what is going on here. I did not give authorization for the inquiries provided so they should not have been placed on my consumer report! That is the reason that I am asking for documented validation with my wet ink signature bearing authorization for these inquiries and also validation showing that I gave permission for this information to be furnished on report as well. I, the consumer and natural person am telling you that I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. These are violations of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy. You took a companies word ( hearsay ) for it and just placed these inquiries on my report with receiving validation. 

Once again, please validate this information with these companies and provide me with full documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you XXXX to produce a contract between you and I, the consumer and natural person bearing my signature showing that I gave you permission on my behalf. 

Pursuant to the FCRA 15 USC 1611 anyone willfully or knowingly providing false information and/or inaccurate information is subject to certain penalties. 

I know that you did not do your due diligence in validating this information before you decided to furnish because you would not have been able to validate this information as I did not provide consent to these inquiries. 

In the absence of such documentation bearing my signature, I formally request again that these unauthorized inquiries be removed from my consumer credit report immediately that you maintain under MY social security number. 

Please be advised that I expect a response within 15 days from the receiving this notice. 

Inquiries in question : XXXX XXXXne Bank XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX : XXXX ' XXXX in good faith. Without prejudice. All inalienable rights reserved. 

Any extra info needed : XXXX XXXX XXXX : XX/XX/1990

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2023 i submitted a letter to the credit bureau disputing all inaccuracies on my credit that i have listed below. The credit bureau completed their investigation verifying the accounts as accurate. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning any such items of the information. 

They stated my accounts were verified but how is that possible if they didn't not do a proper investigation according to the law. Also every piece of information of these accounts are still not reporting 100 % Accurate and according to the FCRA 15 USC 1681 has to be 100 % accurate. I have the credit report showing the inaccuracies

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 2022-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
To begin, Consumer is a 100 % XXXXXXXX XXXX veteran. However, on or about XXXX and XX/XX/2022, Consumer sought to obtain a copy of the vehicle loan agreement, in which a security interest attached to Consumer 's vehicle loan, from Capital One Auto Finance and XXXX XXXX XXXX XXXX of XXXX, Michigan. XXXX XXXX ignored and denied XXXX a copy of the finance agreement, til date. On XX/XX/2022, Capital One Auto Finance mailed Consumer a copy of the original " Retail Installment Sale Simple Finance Contract '' that lists XXXX XXXX XXXX XXXX as XXXX 's " Creditor, '' not Capital One Auto Finance. See attached. Thereafter, on or about XX/XX/XXXX, per Consumer 's recorded Capital One phone calls at XXXX and XXXX, Consumer called Capital One to request a copy of the application or vehicle loan agreement/contract showing that Capital One is the `` Creditor, '' with the intent to seek auto refinancing. Capital One then admitted to Consumer that Capital One does not have a contract with Consumer regarding an vehicle loan or a application/contract/agreement ( listing Capital as the " Creditor '' ), but that Capital has a security interest/lien on Consumer 's vehicle and that Capital One is the Original Creditor and that Capital One Auto Finance will not provide Consumer with a copy of the alleged Lien Agreement. Consumer thereafter discovered that the amount of the finance charge ( being sum of all charges ), which includes a security interest, 15 USC 1605 ( a ), that consumer is entitled to rescind the security interest in the property, pursuant to the Truth In Lending Act 15 USC 1602 ( g ), ( i ) ,1605, 1635 ( a ), ( b ), ( f ), ( g ), ( 1637 ( a ), 1640 ( a ), 1644 ( a ), 1692 ( j ), based upon fraud. Consumer believes that fraud is/has been committed against Consumer, and the alleged total finance charge was not required, a downpayment either. Here, in this case Total Finance Amount was XXXX minus Consumer 's {$3000.00} downpayment to total {$45000.00}, not the alleged {$71000.00} minus {$3000.00}, to total {$68000.00} per XXXX XXXX XXXX XXXX, Finance Contract. See Total Sale Price. Additionally, Consumer 's Credit Report lists Capital One as the Creditor but not XXXX XXXX XXXX XXXX See attached. The actions taken by Capital One Auto Finance and XXXX XXXX XXXX XXXX XXXX, consumer credit transaction is blatant Fraud and has caused Consumer severe financial and credit injuries, through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX XXXX I made a complaint that I was charged twice for an online purchase. The first charge was cancelled by phone to the store ( XXXX 's ) the order was made. The amount in question ( XXXX ) was never to this day removed. I have called several times reached out twice by mail and even consulted XXXX XXXX. The only thing Synchrony Bank has done is deferred late charges. To date they still want a balance of XXXX. Thru all the months of grief and aggravation I am ready to just give up. If you can help Thank You. Sincerely and mentally exhausted. XXXX. P.S. I know it is not a lot but it is the principal of the whole problem.

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 2022-06-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

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 2022-09-25
Company: Experian Information Solutions Inc.
State: OH
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 contacted the credit bureaus to have addresses that arent mine removed Experian said it would be off in 3 days they never removed the address and its so hard contacting them I just didnt even try to call again after 15 failed calls due to the idiotic robot and for XXXX I always have issues with them its just no reasoning with XXXX Im not asking for anything to be removed but a address Im not even associated with I have accounts on my credit report attached to the 1 address that should be on every bureau XXXX XXXX XXXX XXXX Ohio XXXX is my ONLY address please CFPB make these people fix this they want folks to jump through 5000 hoops just to do stuff thats very simple making empty promises wasting time and hours on the phone. I just want the XXXX XXXX XXXX address removed from both bureaus. I also have another issue with XXXX of course like always they havent even reported my XXXX XXXX XXXX  payment report reports to both XXXX and XXXX and XXXX of course like always is being very stubborn for no reason. XXXX has done everything I asked perfectly fine. Its the other 2 Im having issues with.

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 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 or around XX/XX/22 I received a notification from XXXX notifying me of a change in my report. I had multiple hard inquiries I didnt make. XXXX removed the inquiries. Trans Union hasnt removed anything. XXXX is still investigating.

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 2022-08-22
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX is reporting inaccurate information. I have never signed any contract with this company. Shows original creditor to be XXXX XXXX XXXX, I do not have any dealings with this company. They have bought inaccurate information and it is a fraud account. There is no account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received 3 notices via mail from First Citizens Bank on XX/XX/XXXX regarding deposits into and out of an account on XX/XX/XXXX and XX/XX/XXXX. I do not have any accounts with this bank. After calling customer service on XX/XX/XXXX I was told that a note would be put on the account to reflect my concern and if I wanted further information or to take other action I would have to visit the nearest branch which is XXXX miles away. I will contact the branch via phone to rectify this situation if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Block, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was charged {$35.00} 4 times for incidentals at XXXX XXXX for XX/XX/22 to XX/XX/22, XX/XX/22 to XX/XX/22, and XX/XX/22 to XX/XX/22. I was accidentally charged {$35.00} when the front desk thought the transaction didnt go and re-ran my card, but the first transaction did go through. On XX/XX/22, XXXX of the later charges canceled/refunded to my card d, but the older ones had not. XXXX XXXX management assured me that they were released and provided print outs that showed a XXXX balance. I reached out to Cash App support and was advised to get a print/out showing a XXXX balance and other details and they would refund the XXXX {$36.00} holds. When I went to XXXX XXXX and got pictures off the print-outs and uploaded them to Cash App support, they said they could not help me any further. They refused escalating the issue and disconnected the chat. I dont Think they should be able to not help with someone elses finances and no way to speak with any person for clarity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My late husband and I have had an account at a bank since around 1970 which has served us well until we moved to XXXX many years ago and with retirement the account receives direct deposit of pensions. Unfortunately my husband used a familiar name instead of my birth name, XXXX XXXX XXXX XXXX. With new rules for identification from this bank I am unable to access my account despite several mailings from me of my details and W-Ben forms XXXX but without a birth certificate in the account name it has now been blocked from me. Luckily, the Social Security Administration has accepted my array of identification documents and is issuing my direct deposit in the correct name. I have asked the XXXX to make direct deposits to my account in XXXX to avoid the XXXX bank, same with XXXX but now that I can't even access the account overview I don't know if those diversions have been enacted. The ATM card I have with that bank no longer works either. At this point I'd prefer to have the account closed and the remaining monies transferred to me here but that action is no longer available to me either. Actually I don't understand why that bank accepts transfers in either name since both should now be XXXX instead of XXXX... but who can tell why...

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 2022-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On the 3 CRA, Portfolio Recovery Associates is reporting incorrect information regarding a debt. According to their reporting, an account with. XXXX XXXX was opened XXXX. Considering I was experiencing homelessness without the ability to receive mail, it would be impossible for me to open a new credit card account. Also, they report that no payments have been made to this account yet under the recent payments tab it states {$54.00} was paid on the account. This incorrect information is negatively my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, i am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they have violated my rights several times, I demand that the accounts listed below be removed immediately based on 15 USC 1681 which states that I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2022-06-08
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was told on a recorded line that this refinance will Be the best deal Ill ever get! And the original owed principal Will not change! IT DID!!! They lied and coerced me into going ahead with the refinancing! I went from owing {$91000.00} to owing {$100000.00} in principle. It looks like they added the escrow into the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: GA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : {$5800.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$950.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$0.00} Date Opened : XXXX XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX $ XXXX Date Opened : XX/XX/XXXX Closed 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. 

15 U.S.C 1681 C, ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-05
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX sent Nation Credit System Inc XXXX  mail letter .To not to contact me by mail, phone in anyway until they have verified the debt.They haven't seen me any verification of any sort.They wrote me a letter not giving any proof to debt, but threating to sent said debt to credit bureau.Threating my to make it difficult to get credit, or housing.This is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: JPMORGAN CHASE & CO.
State: AR
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:
After reviewing my credit reports I noticed several accounts that does not belong to me. I had my Identity stolen and had a police report submitted. All XXXX XXXX accounts, JPMCB Card, and XXXX XXXX account balance {$570.00} does not belong to me.

Company response to consumer: Closed with non-monetary relief