BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital one called to ask if I had inquired for a credit card on XX/XX/2022 I had my information stolen and fraudulent inquiries have been made ever since. 


The person that stole my identity goes by the name XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Experian Information Solutions 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:
Please see the attached documents which indicate the items that need to be removed. 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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, & XXXX Card 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 an 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 2022-09-28
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: 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 XXXXThis 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: NM
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 Account # XXXX, has violated my rights. 

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

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

Company public response: Company 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: Harris & Harris, Ltd.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harris & Harris Ltd has been directed to stop calling my home for a debt I do not owe. Despite this, they repeatedly call using a robo-caller that only provides a long-distance call-back number. The calls also come outside their stated business hours, so there is no way to mediate the issue without generating ANOTHER call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The company promised to mail a cashier 's check in a letter to me. Now they refuse. The attached documents further explain the situation.

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 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America approved a fraudulent card request and will not give me the application information I requested so that I can inform my local law enforcement, who will not allow me to make a police report without it. 
The company demands I send a copy of my social security card by mail or fax. They will not allow me to confirm my identity in person at one of it's hundreds of branches. This is not a secure method for conveying my personal data ( and is discouraged by the US government ), but this bank gives me no other option. 
In essence, this policy means I must open myself up to further fraud by making a physical copy of my social security number and then just sending it away to to be lost or intercepted in order to combat the original fraud. I believe this makes them liable co-conspirators in the fraud as they are actively concealing a criminal from my local police department. 
This policy is possibly illegal but most certainly onerous and likely intended to reduce the company 's requests overall, but has the unintended, but very real consequence of stopping consumers, especially ones with limited access to identification like immigrants, the disabled, and people with religious beliefs about having social security numbers from being able to pursue redress for the fraud. In this way, Bank of America discriminates against protected minorities and co-conspires with fraudsters, probably because they know consumers will be forced to pay off these debts in many cases, if they are not caught early and that they will make a lot of money during this time.

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 2022-08-01
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I didn't close my account! When they told me that my account was closed, I asked them to reopen it because I did not close it! They continue to tell me to go in store to apply... I told them the closest store is 2 hours away and then all of a sudden today ( XX/XX/XXXX ) I get a letter in the mail stating my account could not be approved... I never reapplied because it won't allow me to... It states that my account is still open and I already have an account... When I sign into my account it says I have {$250.00} available in credit. So they checked my credit without my permission!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: Lendmark Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have had my vehicle for over 2 years now and I refinanced back in 2021 not understanding about what it meant to refinance the vehicle and my loan payment increased when I was actually closer to paying off my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX over the phone and they deleted the inquiries that werent mine. 

XXXX XXXX and equifax are a night mare to deal with. 

I should have only these 2 inquiries. 

XXXX XXXX on XX/XX/2022 XXXX card XX/XX/2022 I dont even own a car so why would I try and get a XXXX XXXX XXXX XXXX. XXXX happened the same day as XXXX XXXX and I hadnt run a credit report in 12 years. There is also a XXXX XXXX and a XXXX I have a service called XXXX XXXX through XXXX XXXX that says they ran a scan in the dark web and my SS # and email password had been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Experian Information Solutions Inc.
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:
Per Experian email sent to me : ============================================================= Important info about your IDnotify membership Dear XXXX, This email is confirmation that your IDnotify membership expired. You no longer have access to CreditLock, and your Experian credit file has been unlocked. 

Sincerely, IDnotify ___________________________________________________ Since Experian knows I live in XXXX ( they just mailed me a credit report here in XXXX ) and want to keep my credit file LOCKED - why do they do this to me? Do they NOT know that access from a foreign web site will be DISALLOWED by the server at Experian. 

I want my file locked!

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 2022-07-28
Company: Block, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Deposited funds into my cashapp account just fine and i wanted to send the money to a relative but they locked my account asking me to verify with my id just to do this which im not comfortable with & they arent allowing me to withdraw my own funds from my cashapp account. ( {$990.00} ) not a small amount of money but im not providing cashapp with my ID. i want to withdraw my cash to my bank account and never touch cashapp again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: NC
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:
Attached is my police report stating that I am a victim of Identity theft. 
As of Recently I have inquires on my report that I should not have. The inquiries are from car loan companies. I have not been shopping for any cars. Matter of Fact I have a car that is paid off that I am currently driving. 

Listed below are the companies that are on my credit report in error : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I called each company to have this information removed but they all said to reach out to the credit bureaus. Vice versa the credit bureaus adv me to call this companies. 

Lastly XXXX. XXXX and XXXX are showing on my credit report as unpaid I have a letter from XX/XX/XXXX stating that balance is paid in full. 

Please help in getting this removed from my 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 2022-12-01
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX  months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section XXXX -I sent correspondence to the Credit Bureaus XXXX this. I was never notified in writing per XXXX U.S.C XXXX prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section XXXX ( XXXX ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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 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 2022-04-25
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: Investigation took more than 30 days

Complaint:
I have disputed items with all three credit reporting agencies and the investigation took well over 30 days I was never notified of results or status of my dispute.

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 2022-12-12
Company: ID Analytics, 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:
Today XX/XX/2022 ; after reviewing my credit reports, I noticed INACCURACIES in the HARD INQUIRIES section of my XXXX and XXXX, SageSteam reports. I have attempted calling said bureaus and they have very long wait times and have taken over 30 days to respond by mail to my dispute of XXXX, also I'm upset the credit bureaus DO NOT have the correct spelling of my name. I will try to make it easy for XXXX, XXXX and XXXX by letting you know on CFPB which HARD INQUIRES do not belong to my profile. Please REMOVE XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CREDIT, XXXX ; I dispute and do not consent to these unauthorized " Hard Inquires ''. Additionally, under 15 USC 1681 I am suppose to have confidentiality ; These accounts on my report without PROOF of my consent is further violating my rights under 15 USC 1681 Section 604 A Section 2 : it also says the credit reporting agencies can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
See my previous complaint with you. It was never resolved. 

Equifax needs to fix my name and restore all my credit history that they apparently wiped out! 
New name : XXXX XXXX XXXX Old Name : XXXX XXXX XXXX SAME SS #. Same address. Same everything else! 

I have filed dispute after dispute and uploaded documents. They are still unable or unwilling to fix my credit files with them. 

In order to get the new driver 's license that approves me to fly, I had to get a new SS card to match my first and middle name to the first and middle name that's on my birth certificate. After getting the new SS card that changes my first name and middle name in XXXX of 2021, I was able to get the new driver 's license as well. So now my name needs changed on the records of all three major credit bureaus. I've uploaded copies of my new SS card and license several times to Equifax, asking them to please update my name on my credit file. They still have my name as my old name. I've been denied credit because I applied in the name that's on my new license & SS card and Equifax still has my name as it was before I got the new ss card and driver 's license. I have had credit with all XXXX bureaus for many years but Equifax is telling the bank I have no credit with them because they are looking for the wrong name. I've filed disputes with Equifax online starting in XXXX of 2021, and again in XXXX, XXXX, and XXXX, each time uploading my new documents. They still will not update my name. They resolve the dispute but do not tell me how and I can't read the resolution on their website. But my name on my credit report does not change with Equifax! It's very frustrating. 

I've even posted the problem on Equifax 's social media sites. They admit there's a problem but offer no remedy to fix it. 

I filed this same complaint with you months ago. It was NOT resolved. 

XXXX and XXXX both fixed ( changed ) my name immediately and maintained all my credit and employment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A credit inquiry from XX/XX/2021 of attempting to open a credit card line with my bank will not remove the inquiry from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: Stenger & Stenger, P.C
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a credit card account XXXX XXXX  XXXX ( XXXX ) which became delinquent XXXX when my employer down sized and laid me off. I contacted XXXX and they referred me to a collection agency, Stenger & Stenger since XX/XX/XXXX. I have made several offers for settlement of the account, but Stenger & Stenger is not responding to my offers. They don't even make a counter offer if they don't accept my offer. They at a time stated in a letter that they " seek to confer on a discovery plan and also to discuss possible settlement '' pursuant to Minnesota Rules of Civil Procedure, Rule 26.06 & Rules 115.10. 

I have made several offer. Instead of responding to my offer or sending me a counter offer, they keep sending court papers. They would send one package and wait for about a month and send another. They are very inconsistent. I have called them on the phone, but they don't answer their phones. These has dragged on for almost a year. I have settled my other accounts that were delinquent. But this one keep harassing me with court papers. I don't know what they want. We don't have to go to court little issues like this. Minnesota has provision for debt settlement. I want to settle this debt.

Company response to consumer: Closed with explanation