BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: OneMain Finance Corporation
State: IL
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:
One Main Finacial is checking and pulling my credit report without my consent. I want to file a law suit against One Main Finacial to pull my credit report without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I retrieved my credit scoring in an attempt to familiarize myself with what it was and whats on it before purchasing a home. Upon inspection I seen several accounts, names, phone numbers and addresses that didnt belong to me. I reached out to each company who just investigated the issue with the updated info I provided them during the dispute to make the accounts seem accurate. This is discrimination against me because of the discrepancies are making it hard for me to begin the process of owning my own home for my family and I. I have not supplied proof under the doctrine of the estoppel by silence, Engelhardt v. Gravens 281 SW 715719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital one bank. Has been reporting to the 3 bureaus that I have two late payments. I contacted the company and had an agreement set up where, if I made a payment arraignment they would remove and not report any late payments. I completed that arraignment and have never been late again with them. Yet they continue to report those late payments XX/XX/22 XX/XX/22 are the dates of the payment being reposted as late. 

Pursuant to consumer law any company can not willingly report inaccurate information. Furthermore Im asking to have them remove that information. 

Capital one account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: SC
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 ; XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
on XX/XX/23 at XXXX I received an email from Bank of America saying my account was approved and my new debit card was on the way. I did not open any Bank of America accounts. I called the fraud department and they were able to identify that there was a checking account in their financial services department that was opened under my name, social security number, address, but a different phone number. They had to transfer me 2 times but eventually I was able to freeze and cancel the " account '' so there wouldn't be any activity in my name.

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 2023-07-11
Company: MoneyLion Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Im XXXX XXXX. My bank account with moneylion was used for an fraudulent XXXX XXXX transaction of {$280.00}. The bank is refusing to adjust my account correctly. Also this company and its representatives have be outrageously rude disrespectful and XXXX. Also this company is discriminating against XXXX XXXX. Hindering us by making us last when it comes to time frame of services. When asking for manger or supervisor I was made to wait 3 different times up to 30mins long. I will file complaints with cfpb, XXXX  and I will let everyone I can know how badly this Bank operates with XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: ProCollect, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received phone calls from ProCollect out of Texas. I never received anything in the mail from this company stating intent to collect a debt. There was nothing from my leasing company either in the mail stating a debt was to be passed on to a collection agency. I received nothing in the mail from any company stating any intentions for anything. I only received automated phone calls requesting to call them back.

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 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : 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 2022-12-08
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:
This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of the fraudulent accounts I found on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX  Balance {$10000.00} XXXX XXXX Balance {$4000.00} XXXX XXXXXXXX Balance {$3600.00} XXXX XXXX  XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX {$10000.00} XXXX XXXX  XXXX  XXXX Balance {$10000.00XXXX XXXX XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX  Balance {$2400.00} XXXX XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX  Balance {$1900.00} NOT REPORTED XXXX Balance {$1700.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I used ATM machine to deposit {$4300.00}. 

The ATM machine said there was an error and the cash could not be counted and could not be returned due to an error. 

I called the banking center. They said it would take two business days to fix the problem. 

Today, which is 6 days later I was told they did not have an end date in sight. 

They would not give me a provisional 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 monetary relief
Consumer complaint received 2023-07-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An attempt was made to open a line of credit through Citizens Pay by way of a XXXX XXXX credit car I believe. I did not make this request nor did I apply for any credit through XXXX XXXX or any other credit companies for several months. I received a hard inquiry on XX/XX/XXXXXXXX XXXX XXXX that I believe to be fraudulent. I reached out to company to dispute the inquiry however my fear is my information is out there and I may need to freeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recently got married and attempted to add my wife to existing bank accounts or open new joint ones with her. I also moved some money between accounts I own. This was on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a couple of other dates I can't recall. 

Every time I try to move money into a new account or open a joint account, they freeze all of my accounts and all of my wife 's accounts. We have to call every time and go through a verification process for them to allow us to access our money. One time they made me spend an hour on the phone, verify an unrelated account with a different joint account holder, and change my password. 

I've asked if there's a way to avoid this happening in the future. They said there is not due to my " profile being flagged '', but could not elaborate as to why it's flagged. They said there is no manager or similar who I could speak to in order to have this resolved, and that this is simply the process I need to go through in order to make changes to my accounts. In-person branches stated they can not open accounts or add joint account holders, it can only be done online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to file a complaint regarding the inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Regrettably, I have not received any response from TransUnion regarding this matter. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to address and rectify this issue. 
I would like to bring to your attention the following incorrect information on my credit report, along with the requested corrections : ( Account Not Mine Account Number : XXXX Company Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$200.00} Issue : This account does not belong to me, and I request that TransUnion removes it from my credit report. ) ( Account with Incorrect Late Payment Company Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that TransUnion corrects this inaccurate information on my credit report. ) ( Account with Incorrect Late Payment Account Number : XXXX Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that TransUnion corrects this inaccurate information on my credit report. )

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 2023-07-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This company is making it impossible to opt out of their promotions, credit card offers, etc. without me even signing up to anything in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 

Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXXl # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( 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 1681s-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 non-monetary relief
Consumer complaint received 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
These accounts have been charged off as a bad debt as of XXXX XXXX in the amount of $ XXXX & XX/XX/XXXX in the amount of {$1700.00} yet both continues to report a balance on my credit report. I have disputed it several times and called into the company regarding this matter. I have a credit card with the company that I was able to open in XXXX, yet they continue to report old cards that can no longer be collected on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I filed a dispute with my bank huntington the dispute refernce number is XXXX my insurance company commited fraud they said they wouldnt charge my account anymore and i removed my bank details but they charged it anyway they had my info saved in the system they commited fruad my bank wont refund me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-07-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-07-13
Company: Paypal Holdings, Inc
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Scammer gained access to my Venmo account and changed my login details so I was locked out. I didn't receive any warning or notification from Venmo that this had happened. They changed the bank account and intercepted an incoming payment of {$1200.00} that was intended for me. Venmo did not protect my account and its undetermined whether I will be able to recover this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-15
Company: CNG FINANCIAL CORPORATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Allied cash advance located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX said I XXXX XXXX XXXX was approved for a XXXX dollar loan to help with bills anyway they informed me that I needed to pay XXXX dollars to insurance of theres to guarantee that if fall on hardship the insurance would pay the loan for me and I had to send another XXXX to pay for fees to get the amount of XXXX from the state of new York to North Carolina which was a state fee but informed that those fee had to be paid by XXXX gift cards to be able to received the funds asap. Payed both the XXXX on XXXX gift cards and the XXXX on XXXX cards on XX/XX/2023 from checking account. But now XX/XX/2023 still no wire transfer into bank account or no loan deposit of XXXX the so called amount that I signed in contract on that same day.so .so far that loan company has con me out of XXXX dollars and still havent received my so called loan money of XXXX

Company response to consumer: Closed with explanation