BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX XXXX I noticed an account on my credit report. I called Capital One to indicated that account ending on XXXX  was not fine. It was a fraudulent account open under my name. On XX/XX/XXXX I received and email with an account statement, stating that the payment was pass due. The account it is not mine.

Company response to consumer: In progress
Consumer complaint received 2022-07-04
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I live in XXXX and have continued issues with being able to us my card internationally. They have blocked my card on my pay date atleast XXXX times because they say they have to identify me. It takes days and weeks for them to let me access my card. They give the same excuses over and over again ... saying the card wasnt " XXXX listed '' or set for " international use '', or information was done incorrectly. My situation now is that I lost my card and they will still not unblock my card for 19 days. The first 10 days, they would say it would be XXXX hours, using the excuses I said above. Then 4 supervisors each, said that the information was input incorrectly. Now, I have a new deposit as of XX/XX/2022 and I haven't been able to get through for 4 days. You just get a message, saying they are experiencing a high number of calls and to call back later. I am scared, terrified and suicidal here in XXXX and I cant get any further help from the US and my cat might die because I dont have money to take her to the hospital. Please, please allow me to use my card... I am begging you. I have never had fraud on my account. Please!!!!!!!!!!!!!!!!! 
Note : I am in XXXX XXXX, XXXX and it did not allow me to put in info correctly. 
XXXX Va XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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  Account # XXXX and also XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX XXXX has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX 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

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 2023-11-15
Company: EQUIFAX, INC.
State: IL
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: TX
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:
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: MO
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: MD
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 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  THE FOLLOWING ACCOUNTS ARE REPORTING FRAUDULENT TO MY CREDIT REPORT. 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 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 2023-08-05
Company: Experian Information Solutions 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:
I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. I am only XXXX XXXX XXXX and This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.

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: United Credit and Collections Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt collector is saying that I owe debts I have no knowledge of or do not owe. I tried to contact company. The were unwilling to give me any information about this. Told me if I was a victim of identity theft it was not there problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX XXXX XXXX XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2022-12-05
Company: CL Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Jefferson Capital has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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: Investigation took more than 30 days

Complaint:
I am writing a complaint because the Credit Bureau Experian has not followed through with their XXXX day policy. I have not heard any response from the Credit Bureau. I have sent out a dispute letter on XXXX2022 because there are false information in my credit report. I should have heard from them by now. Which I have not. Below are the account I am asking to have be dispute. 

XXXX XXXX- {$590.00} account number : XXXX XXXX XXXX  ( XXXX ) - {$400.00} account number : XXXX XXXX- {$2000.00} account number : 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 2022-07-04
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX department stores, XXXX XXXX XXXX and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602A States that 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.

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

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: EQUIFAX, INC.
State: CA
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 have been a victim of identity theft and there are several accounts opened by the person who stole my identity. The following accounts a result of my identity being stolen. 
XXXX XXXX Opened XX/XX/XXXX {$9200.00} stolen XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1400.00} Stolen BANKRUPTCY CHAPTER XXXX Filed XX/XX/XXXX I have verified with all these companies that these accounts do not belong to me and they're going to send a letter to remove these accounts in " 4-6 week ''. It has been more than the time frame they've given to me yet these accounts are still reporting to me. The representatives at XXXX, Equifax, and XXXX neglect deletion of these accounts even with valid documents requested by them. They even neglect deletion using the Fair Credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been a victim of identity theft and there are several accounts opened by the person who stole my identity. The following accounts a result of my identity being stolen. 
XXXX XXXX Opened XX/XX/XXXX {$9200.00} stolen XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1400.00} Stolen BANKRUPTCY CHAPTER XXXX Filed XX/XX/XXXX I have verified with all these companies that these accounts do not belong to me and they're going to send a letter to remove these accounts in " 4-6 week ''. It has been more than the time frame they've given to me yet these accounts are still reporting to me. The representatives at XXXX, XXXX, and TransUnion neglect deletion of these accounts even with valid documents requested by them. They even neglect deletion using the Fair Credit reporting act.

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 2022-07-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

Payment history was never late. I paid two payments in advance in XX/XX/2021 for XXXX and XXXX. Then mysteriously I have a late payment for XXXX. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( B ) Reporting information after notice and confirmation of errors XXXX removed the late fees associated with that payment.

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 2022-07-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

Payment history was never late. I paid two payments in advance in XX/XX/2021 for XXXX and XXXX. Then mysteriously I have a late payment for XXXX. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( B ) Reporting information after notice and confirmation of errors XXXX removed the late fees associated with that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

Payment history was never late. I paid two payments in advance in XX/XX/2021 for XXXX and XXXX. Then mysteriously I have a late payment for XXXX. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( B ) Reporting information after notice and confirmation of errors XXXX removed the late fees associated with that payment.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize these inquiries XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was recently in search of a higher limit credit card to utilize for work expense pass-through. I spoke with a banker at my local JP Morgan Chase branch where I have banked for over a decade and as I had repaired a lot of debt and credit problems from COVID-19 and my score had improved, he recommended that I apply for a Chase Freedom or Chase XXXX  card through the bank. Per my assets and prequalification he didn't see any issue with me getting the Chase Freedom card, so we opted for that. He also made it clear that applying through the branch would accelerate the application process and offer me additional rewards and benefits that would not be offered online. He would also be able to assist if there were any problems. 

We went through with the application. I was declined. He called the corporate reconsideration line from his Chase Private Client office and soon handed the phone to me.

Over the next half-hour I was interrogated by an agent in the " reconsideration department '' who apparently had pulled, without my consent ( I had read the fine print ), additional consumer reports on me and additional credit reports aside their primary provider ( XXXX ), again without my consent. 

What I came to find was that because I was party to a bankruptcy preceding in the late XXXX ( it cleared my record years ago ) that involved a Washington Mutual Credit Card branded " WAMU '' of which was eventually purchased by JP Morgan Chase, I was automatically out of consideration for any chase services other than checking and savings accounts and that the card should had never been offered to me. 

So, here I am with several hard credit pulls and consumer report pulls against me when I was never even considerable because of an event during a world-wide recession that happened well over a decade ago, overall resulting in hurting my credit overall. None of these elements were ever disclosed to me until I pressed for more information and was alerted to additional hard pulls to my credit report. 

I have contacted the bank branch, JP Morgan Chase corporate and the credit bureaus for consideration that this matter be resolved. The service offering was fraudulent due to them easily being able to see in the system that I was already flagged to not be offered credit or loan-related services. 

I have not heard back from any party in well over 30 days. 

Attaching correspondences to this report.

Company response to consumer: Closed with explanation