BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: OH
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 : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have received numerous phone calls from capital one credit card company. I am being harassed all hours of the day and on the weekends. I DO NOT have a capital one credit card. I have repeatedly asked the company to take my number off the call list and that I do not have a capital one card. I have gotten ten calls in one day, some as late as XXXX XXXX. This is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account opened on XX/XX/2021 for {$470.00}. I reached out and to XXXX XXXX [ XXXX XXXX  ] about an account opened in my name. I never applied for this credit card. This a fraudulent account. 

In Accordance with fair credit reporting XXXX XXXX  has violated my rights. 

1. 15 U.S. Code 1681 Section 602A States : I have a right to privacy.

2. 15 U.S. Code 1681 Section 602A States : A consumer reporting agency can not furnish a account without written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries were made without my consent or knowledge and without my direct authorization and signature and therefore I want to have them removed from my credit as soon as possible : 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 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 explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: GA
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 am a victim of identity theft a security breach and a mixed file. I have mailed proof of my identity several times only to be told it was never received. I have uploaded the same information through the upload portal since I do not have access to my credit profiles only to be told by some reps they see it and others they do not. I have called and spent hours over day in excess of 8 hours on some days trying to get help with this issue so it can be resolved and I can monitor my credit and begin the road to recovery from this mess. Yet these 3 agencies have not been helpful in any way. Despite me telling them I have mailed in the documents needed and uploaded them which has put this correction to my report and deletion of any file that has information that does not belong to me, they refuse to assist me and continue to tell me to mail in forms that will take an additional 30 days probably to receive and another 30 days to process if they even get to them at all. So if they never get them and I have waited 30 days to check now I have to send in the forms via mail again and wait another 30 the same as I have been since XXXX of 2022. I have requested help to make my online profile and account accessible to me and that has not been done. My account is unable to be verified online since they have my information mixed with someone else 's so when the systems try to authenticate me the authentication is unsuccessful. Despite this being what these companies should be able to do no one has been able to resolve this issue and provide me access to my credit reports then when I ask for them to be mailed to me they never arrive. I'm not sure what is in the air these days but people are comfortable with not doing their jobs and have the nerve to get upset the the person their lack of follow through or know how is affecting in a negative manner.

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 2023-02-21
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/23 I applied for the Citi/AAdvantage Platinum Select card directly from the XXXXXXXX XXXX website . I was in the process of purchasing flights and it showed that I could pay today and get a statement credit if I purchased the flights with the card when I was in the checkout window. I applied for the card directly from the checkout page where the message was located and received a message that it was pending review. I called XXXX XXXX to ask about purchasing the flights with the card that day because I wanted to purchase them right away and they said I would have to wait until I received the physical card in the mail to purchase the flights. I felt this was deceptive because I would not have applied for the card that day unless I was receiving flight credit for the flights I was purchasing. Also, when I received the card, there was no information about how to earn the XXXX reward miles or the {$250.00} statement credit that was advertised in the material that was sent to me with the card. I did locate a not-so-easy-to-find link when I created an account online for the card about getting the miles ( it showed how much money I have to spend to earn the miles when I clicked on it but I would not have gotten this information if I had not signed up for their online account services ) and I have yet to find any info about the {$250.00} flight credit, so Im not even sure if they will honor that if I purchase another flight. I have signed up for other airline credit cards before and received everything in writing in the packet I received in the mail with the card so I knew what the promotions were and had it in writing.

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 2023-03-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/23, I submitted a request for loan modification. On XX/XX/23, XX/XX/23, and XX/XX/23, I submitted all documents in support of my application. In between and most recently on XX/XX/23, Select Portfolio Servicing, Inc. ( " SPS '' ) sent me incomplete application notice. This notice continues to request documents which are not applicable to me such as proof of pension income or loss and profit statement when I neither have pension or own business as is reflected on my application. SPS is not reviewing my application with reasonable diligence and is intentionally delaying the process so as to avoid having to modify my loan. SPS is intentionally preventing me assuming or assuming and modifying my former late husband 's mortgage on my property. Based thereon, SPS is intentionally interfering with my property rights as successor in interest to the real property located at XXXX XXXX XXXX, XXXX, CA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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. 
I told Experian to reivestigate these accounts. However, they stated everything was accurate. How can that be if the open date, date of last activity and much more is incorrect. 

Experian is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

According to 15 USC 1681 : I have the right to privacy and I did not give Experian, written permission to furnish these accounts.

According to 15 USC 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. 

Accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX {$6100.00} 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 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 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 explanation
Consumer complaint received 2023-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After reviewing my credit profile on XXXX  | identified a discrepancy with account listed under ATLANTIC FINANCIAL and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXand the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/ there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: DISCOVER BANK
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received message from XXXX XXXX and discover that my credit has been reduced due to excessive inquires. I have not applied for credit with any source over the pass 18 months. I called XXXX XXXX  and requested they stop but they have run it daily Please assist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
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:
Hello, On XX/XX/23 I called the mortgage department at Bank of America to make a payment on behalf of my mother and was assisted by Bank of America representative, XXXX. I had been calling in since XXXX making mortgage payments on behalf of my mother who was on hospice and never had issues until speaking with XXXX. She asked if I was authorized to make these payments for my mother and I explained yes. She had been on XXXX  and recently passed, but I am on the XXXX  Deed of the property, but we have not received death certificates yet ; therefore, I'm just trying to keep her accounts up to date to ensure all bills stay current. XXXX said she would note the account and gave me the fax numbers to send the XXXX Deed to as well as the death certificate once it was received. What XXXX failed to tell me is that once she noted the account although, no solid documentation ( death certificate ) had been provided to Bank of America regarding my mother 's death, that her notation would cause all of my mother 's accounts to be frozen. Mind you, XXXX works in mortgage not personal checking or savings. With her failure to notify me of what a simple notation to an account would do, I went to pay my mother 's other bills only to be told the accounts had been closed/frozen. My life line to keep my mother 's accounts like gas, electricity, property taxes that are due right now, etc. has been shut off. Again, no documentation has been given to Bank of America confirming my mother 's death. They just took my word over the phone. 
Immediately called Bank of America on XX/XX/23 once payments were not processing and was trasferred to the XXXX department and spoke with XXXX who was incredibly unfriendly and not helpful. She told me all accounts will remain frozen until I supplied a death certificate, sent the trust showing me as the co-trustee and some other documents. Again, if I haven't supplied you with a death certificate yet, why would you freeze accounts? They just took my word. XXXX proceeded to tell me that once I submitted the documentation, it would need to be reviewed ( she was unsure how long that would take ) and then they would disburse my mother 's money to me. When I asked about payments that are set-up on auto-pay not being able to now go through, she explained that any Bank of America charges like late fees, returned checks fees, etc. would be credited once my documentation had been reviewed. I said, " what about the other fees I might incur from other institutions now that you've frozen these account? '' We don't reimburse those. The time I now have to spend re-doing all of my mother 's auto-pay accounts is going to take me hours because some knuckle head notated an account without proper 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 explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: OR
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: OH
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW 715, 719, 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 2023-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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 checked my credit report and seen that there were discrepancies, and it was started on XXXX XXXX XXXX. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Affirm Holdings, Inc
State: MD
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:
XXXX XXXX XXXX XXXXXXXX SINCE XXXX XXXX, IVE CONTACTED AND NOTIFIED AFFIRM OF FRAUD REGARDING LOAN ID XXXX IN THE AMOUNT OF {$1300.00}. THIS LOAN WAS TAKEN OUT IN MY NAME AND APPROVED WITHOUT AUTHORIZATION. I DISPUTED THE ACCOUNT WITH AFFIRM AND XXXX. IN ADDITION, THE FOLLOWING WERE DONE TO DISPUTE THIS LOAN : FILED A COMPLAINT WITH XXXX FILED AN AFFIRM IDENTITY THEFT VICTIMS COMPLAIN AND AFFADAVIT PROVIDED INFORMATION ON THE PERSON THAT USED MY IDENTITY TO COMMIT FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM WILL NOT RESOLVE THIS ISSUE AND THE ACCOUNT REMAINS ACTIVE AS OF TODAY. FURTHER INVESTIGATION IS NEEDED TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. 
THE RESULT OF THIS FRADULENT CHARGE CAUSED ME TO LOSE A JOB OPPORTUNITY AND THIS IS CONSTANTLY AFFECTING MY CAREER AND MY LIFE. DURING FEDERAL BACKGROUND CHECKS, THE DELINQUENT ACCOUNT IS CONTINUOUSLY AN ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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 am writing this dispute because I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I see a lot of inaccuracies on my credit report after reviewing it. I am verifying that this is me who is disputing these items. I need this removed asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
credit reporting companies are leaving things on my credit thats suppose to be off stoping me from getting the credit i need for investments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: TX
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/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-10-04
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I am a huge XXXX XXXX consumer. I love the store. I have their close loop store credit card that I use weekly. I signed in to pay my monthly credit amount. The store card showed I had a XXXX balance, which I knew was not accurate. It took me a while to figure out that there was a drop-down arrow. When I clicked on it I could see a Visa account that showed my balance on it. I do now have a XXXX XXXX XXXX. I have declined every time the cashier has asked me to open one. I have worked very hard to keep my spending in check and keep my credit score high. I do not want another Visa. But there was a Visa account in my name with a balance on it. To make matters worse, I clicked on it to pay it and a big XXXX XXXX came up that said I have NO MINIMUM AMOUNT DUE. 
I am furious. The interest rate, like all credit cards, is high and I would have fallen for this. 
I called Citi Bank to discuss this and got nowhere. They said I was sent a letter saying this was going to happen. I never received such a letter. And I was never sent a card ... which is even weirder. It shows xxxxxxx on the online statement account so I can't even provide you my account number as requested on the next page of this complaint. 
I hope you can look into this. Seems very sketchy.

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 2023-09-22
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit reporting 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 have credit inquires that I have no knowledge of and did not give my consent to check my credit on my credit file

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