BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

Personal Information is reporting inaccurate, this is the only information that should be reporting ; Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX, VA XXXX Phone number : XXXX My only employer is : XXXX XXXX XXXX XXXX Email : XXXXXXXX XXXX  accounts INQUIRES THESE INQUIRE IS NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX  XX/XX/2022 XXXX NOT MINE! 
XXXX XXXX XXXX NOT MINE! 
INQUIRES THESE INQUIRES ARE NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX NOT MINE! 
XXXX XXXX XXXX XX/XX/2022 XXXX NOT MINE! 

XXXX XXXX XXXX XXXXXX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XXXX XXXX XXXXXX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 

( Make sure you put the Account Name and Account # ) has violated my rights. 

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

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. 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 credit score over 719transunion has me at a score around 590. 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 n 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 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 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 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 Transunion more than 21 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 2020-10-05
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX XXXX XXXX   Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY 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 2022-08-02
Company: WELLS FARGO & COMPANY
State: DC
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:
My father has XXXX. I have a durable financial power of attorney ( POA ) for him. In XXXX, I went to a Wells Fargo branch to get the XXXX applied to all his Wells Fargo accounts. The POA however was only applied to his bank accounts and not his credit card, on account of XXXX XXXX negligence. In XX/XX/XXXX, I learned that he had {$9000.00} of outstanding debt on his credit card and was incurring late fees. I am unable to review the expenditures or get statements on the credit card. In XX/XX/XXXX, I contacted Wells Fargo credit card services. They had no record of the XXXX even though the XXXX was on file with the banking side of Wells Fargo. I thereafter submitted the XXXX to Wells Fargo credit card services. XXXX weeks later I called into Wells Fargo to get the XXXX applied to give me access to his credit card expenditures. After 35 minutes of being passed around to different departments at Wells Fargo, I was informed that the POA only allows me to call in to get information on the card ( which I could do without the POA ) but doesnt give me access to XXXX information. Wells Fargo benefits from the situation by allowing customers with cognitive impairments to rack up large amounts of credit card debt and fees, while denying meaningful access to those who have been charged with ensuring fiscal responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Credit Karma, LLC
State: WA
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:
My phone and purse with my ID and social security card was stolen I had just received my income taxes and they sent it through credit karma all my account info was in my phone when this happened on the XXXX of XXXX I immediately called credit karma and told them my phone and purse wallet was stolen to close the account I then asked them the last transaction and at that time there had been no unauthorized transactions made yet all my money was still there {$6800.00} about so that was good news and made me feel a little better knowing they didnt spend my money because that was all the money I had to get a place for me and my son because we just lost our house that day anyways the next day I was able to get into my phone log to see who they were calling and I saw this XXXX  number on there multiple times like 10 calls made back and forth so I called it and it was the fraud department to credit karma I then found out they let them back into my account and was calling my phone which they acted like me and authorized all the transactions they were making I tell the fraud department what was going on that they should of never authorized any transactions because I told credit karma to close the account and send me a check well the people who stolen my phone changed my whole account to there phone number there email so credit karma would not let me access my account without verifying who I was so I sent them a picture of my ID I had on my computer and my social security card with a picture of myself holding the time and date with my social security number but that wasnt good enough I had to send the back of my ID which was stolen with everything else and I was waiting for my new ID in the mail which was going to take 7 to 14 business days but they wouldnt let me access my own account until then so that whole time Im telling them to close the account send me a check this was all the money I have for a place to live now me and my son are on the streets they were still letting these thieves spend all my money credit karma even hung up on me a couple times cuz I was going back and forth with them crying wondering why there doing this to me the minute I called and told them to close the account that all my stuff have been stolen to just send a check why would they let these thieves back in my account it does not make sense there phone calls are all recorded and every store or atm or however they pulled money off my account should have cameras and its obviously not me I made a police report and everything and credit karma still denied my disputes when I have waited way over however days they said it took to get my money back and the whole time me and my son are XXXX have no where to go no money for food because credit karma let someone else spend my money this is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to place a formal complaint against Equifax for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : Public Record - XXXX XXXX Bankruptcy - Reference # XXXX. 
Equifax said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Equifax is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : Public Record - XXXX XXXX Bankruptcy - Reference # XXXX. 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Self Lender Inc
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I used SELF to build my credit and before it was due or posted on my credit report I had to cancel due to hardship of the Covid-19 virus and was told it wouldn't effect my score and within a matter of days the it did and my score went down. I am so upset by this and can not reach them anymore or they just don't respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
the accounts listed/ inquires listed cant be verified and need to be removed 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: NJ
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 ask the XXXX XXXX XXXX EQUIFAX to investigate accounts on my credit report that where inaccurate. when the investigate was completed i find that there investigation was one sided and went against the FCRA when they didn't get my side or anybody that was at the transaction. Which is a violations of federal LAWS. i send in a affidavit address these concerns to all the violations i found on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have sent 4 letters to Transunion and the return receipt number is included in the Letter. 
I have sent them letter after letter and they have not removed any of the information that I have made them aware of being fraudulent. 
I am submitting the other letters as proof of me having sent the letters. the only letter that is notarized is the final letter stating that court is going to be the next course of action. XXXX has promptly deleted all information that I have requested of them and we are in the dispute settlement process as we speak.

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 2020-04-14
Company: CL Holdings LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I have this amount on my credit score by the cost of {$1300.00} and its for something having to do with XXXX. I have never had XXXX before in my life I dont know how that got in my credit score or how in the world I owe that amount but I know Ive lost my social about 3 maybe 4 times in my life and I know this has to have something to do with me losing my social because how would I have some random amount of that nature in my credit Im actually gon na try to contact you guys to see if you can help me remove this amount because Im not gon na pay for something I had nothing to do with and honestly this random payment has been ruining my youth for a couple of years now Ive been trying to open my first bank account so I could save money to help me get my own spot and I wasnt able to, and when I saved up the money which was about a year ago or so I still was not able to because of my credit score.. I really need help with this because it honestly wrong for this to ruin my life and I wasnt even the person to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I checked my credit using XXXX on XXXX. I noticed that my credit points dropped significantly. I then noticed that I have a new account opened, opened in XXXX. I have not opened any new accounts since before the pandemic. I noticed that XXXX dollars was charged. I called Target and I Talked to a team member on the Fraud department and she said that two charges were done on this new account : XX/XX/2022 for XXXX and XX/XX/2022 for XXXX. 
I did not open nor make these charges on the Target Credit Card that was recently opened on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: CAINE & WEINER COMPANY, 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:
On XX/XX/XXXX, CAINE & WEINER ( Opened XX/XX/XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: OPORTUN FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
We received a visa card in the mail from Opportun along with a letter stating they had changed our address from our ( correct ) previous address to our new address. We did not apply for this card, we do not want this card. We cut it up and never used it. We began receiving bills for monthly fees and now have a balance due of {$96.00}. on XX/XX/22 we contacted them and after lengthy conversations with many different customer service agents, we were told the card had been cancelled and fees reversed ; however, yesterday we received a new bill with additional fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: LA
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, on XX/XX/XXXX and again on XXXX they say was last activity. It depends on which credit reporting agency youre at and when you looking at them. The amount goes from XXXX, to at one time we only XXXX. XXXX. Also to brought the car. Not to mention the car was upgraded to leather by the dealer including seats, doors but not included in sale price of of car. I requested information but denied all information of sale of car. Requested all information not received. 
XXXX That was a paid in full timeshare that was not put up for collateral. Once new owners took over We were not allowed too any meeting for the fact that we were married and our husbands were not on the contacts and we were separated from them. So now they had disconnected phone number to get in contact with them to discuss anything about this XXXX. That was we request a signed contact and validations of XXXX this has not been verified. When I called the number is a non working number, then they replace it with a another number that was the wrong department when I called them. And when I got in contact with them it was still in the wrong department. 
Under the fair credit report act 15 USC1681 I have the right to privacy and I did not give permission to anyone to release my information to anyone, therefore my rights were violated. 
XXXX XXXX I paid them in full with XXXX interest and the reporting it as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 dont recognize inquiries on my credit report, I did not authorize any inquiries. 

XXXX XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief