BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of 2022 I was out town and went to use my card and it declined. Immediately called capital one to see what was going on. They told me the card was temporarily restricted because it was being investigated. I asked why that told me at this time they didnt have information then told me I had to wait 30 or 60 days Im to sure of the exact days. A month or two went by I called to follow up. I then was told I reported this card as fraud and that I didnt open. I then told the representative I didnt not report this as fraud several times I also had mention I been working with a credit service They said okay will make note of this basically tell me dont worry its still being investigated I said okay maybe a month later I got a letter from capital one ask me to submit the supporting documents that this wasnt my account and I didnt open So I called again stating the same thing I did not report this account as fraud. Here I am today investigated completed on XX/XX/XXXX my card is closed now after they so called investigation because I reported fraud and they believed this account is mines. So my question for them was who called and reported this and when because now I need to find out who use my information. Because if I called 2 time and I think it was 3 times Im not sure saying I never reported this card as fraud. My bank account is link to this account Plus I also have a car loan through capital one Lets rewind I told them several times a creditor had been working on my account also who I also reach out to and he said he didnt report this information. This also happen to my husband so thats why I ask for information on who report this because I can only think of this creditor who is working on our credit but as a customer who is trying to protect her identity why is the credit card company Penalizing me after I told then it wasnt me and I never reported fraud on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My son was a longtime customer of Santander. We came to deposit {$30000.00} into his account and he wanted to add me, his mother, to his account as a joint owner. Bank rep and manager refused to provide this service to us " because I was born in former XXXX XXXX. '' Long time ago, in XXXX, plus we are both citizens of the USA for 30+ years and live in PA all of this time, my son served in the XXXX XXXX XXXX I am employed in financial institution for 20 years. This is a clear case of discrimination based on birthplace. After that my son closed all his accounts at the Santander bank. Very much upsetting case, not in best practice of US businesses.

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 2022-07-29
Company: EQUIFAX, INC.
State: NV
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Equifax on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This is an old tuition bill at XXXX XXXX University that I have been disputing for more than 6 years now. About 2 years ago, XXXX XXXX starting using a company called XXXX XXXX to report this to the major credit bureaus as an account with a payment schedule. To date, they have reported 16 missed payments on my credit report. I have never had a payment schedule on this account! 

They are also reporting that payments have been made on this account as recent as XXXX. Both of these actions seem to be an attempt to try to keep the debt alive while simultaneously ruining my credit. My credit report shows that prior to XX/XX/XXXX, there was no payment history being reported on this account. It suddenly shows up in XX/XX/XXXX, nearly 4 years after I first disputed this account. 

I have disputed this information 7 times with TransUnion and each time, I am merely told that disputed information was verified as accurate. I am never given any proof that validates this. I would like proof of this payment schedule that they claim I am delinquent on. Please ask them to provide a SIGNED payment agreement. Also, regarding the payments they claim have been made on this account; Please ask them to provide scanned images of a check, wire transfer, or credit card authorization proving that this payment was actually made. As I said, it feels like an attempt to keep this debt alive. 

I have been turned down for two mortgages because of this false reporting and am in fear that it will cost me my job if a credit check is performed as an ongoing condition of my employment. If XXXX XXXX can not provide a signed payment agreement or indisputable proof that payments have been made on this account, I respectfully request that they be required to remove this information from my credit report. 

Thank you for your assistance.

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 2022-09-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have made many cfpb complaints concerning Experian reporting of my name! My name is hyphenated and someone is intentionally manipulating info from tax documents to 1098. It seems again someone is changing my information on documents and possibly loans that were mine in order to attach loans that are not mine in the name of XXXX. I recommend you document this- it might get closed/ deleted and attachments deleted like the pertinent complaints that after 3 months of being on file was deleted. Other things occurring in my apt and car.. Items are being stolen from my possession of w2s old tax documents etcold jobs - evidence of fake and real -its crazy that people are allowed to do this! Experian once said all accounts were submitting XXXX but that wasnt true at the time- I am concerned that someone has taken loans out in name of XXXX XXXX 100 % verified my loans are in my hyphenated name! Why would they ( those behind changing my name in other places ) go through this to prove a point thats false - because it is a way of doing business and more people will suffer until this is exposed! I cant even risk saying what I want about why Experian continues to report my name wrong then right, then Im blocked- then report it wrong again! Follow up doesnt happen /! its like a scam is going on in dept of Ed/servicers and Experian. Loans were removed and put back on -! I believe they redid the loans I did take out and went through my accounts, schools, changing things to XXXX - Whats happening is illegal- so many are acting as if the are above the law! XXXX was compromised and used to change Experian info - I didnt do some of these and it seems disputes were reopened and activity kept happening with out me involved- so much control and I would love to be able to have a fair chance to defend my name instead - someone is determining and changing my name without legal presidence? 
in XX/XX/2022 it seems XXXX added accounts XXXX XXXX back on that were already on.. there are so many things that lead me to believe what Im saying- mainly changes and theft of documents finding two of same thing in diff names!

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-01-27
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: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XXXX 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 2022-07-29
Company: Experian Information Solutions Inc.
State: NV
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Experian on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/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 2022-09-22
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: Account information incorrect

Complaint:
I am having a hard time believing that an investigation has been done because there are still errors on my credit report. I sent letters to all 3 bureaus XX/XX/2022, and again most recently on XX/XX/2022. Nothing has been validated or deleted. I received a letter in XXXX stating that the account in question was verified, but I did not receive proof validating the account or that I owe this collection agency. I have no relationship with XXXX XXXX XXXX XXXX and this account should be removed from my report immediately. I have been waiting on information for 3 months and this is unacceptable. All 3 bureaus have inconsistent information reporting for this account so how will I be able to validate what is accurate or not? I do not owe this company anything so please remove this account. I will include the letters that I have sent as well as the dispute letter stating that the account was verified. Please conduct a thorough investigation and provide names and business addresses of each individual with whom you verified this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am having a hard time believing that an investigation has been done because there are still errors on my credit report. I sent letters to all 3 bureaus XX/XX/2022, and again most recently on XX/XX/2022. Nothing has been validated or deleted. I received a letter in XXXX stating that the account in question was verified, but I did not receive proof validating the account or that I owe this collection agency. I have no relationship with XXXX XXXX XXXX XXXX and this account should be removed from my report immediately. I have been waiting on information for 3 months and this is unacceptable. All 3 bureaus have inconsistent information reporting for this account so how will I be able to validate what is accurate or not? I do not owe this company anything so please remove this account. I will include the letters that I have sent as well as the dispute letter stating that the account was verified. Please conduct a thorough investigation and provide names and business addresses of each individual with whom you verified this information.

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 2022-07-03
Company: Experian Information Solutions 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 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 2022-12-03
Company: CITIBANK, N.A.
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 Citi Bank NA 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 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 2022-07-03
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 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. 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 2022-09-22
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no business with professional placement service Acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX contacted the company to explain that debt was not mine im victium of identy theft i have also had on report fraud alert that nothing shouldn't be authorize unless creditor contact me the company advise me this has nothing to do with them i still owe the balance i advise i was living at address XXXX XXXX XXXX XXXX XXXX fl XXXX since XXXX XX/XX/XXXX ... ... ... ... ... ... ... also dispute this multiple times with credit breau XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX ...... 

XXXX credit report show CAPSTONE CREDIT & COLL Original creditor : XXXX XXXX XXXX  XXXX XXXX {$4300.00} Balance updated XX/XX/XXXX ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' XXXX credit report show Collection Agency CAPSTONE CREDIT SERVICES Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$4300.00} Amount {$4300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact CAPSTONE CREDIT SERVICES  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' XXXX credit report show Account name CAPSTONE XXXX  Account number XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX Company sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Paid off <1 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: NC
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX, XXXX XXXX **** and XXXX XXXX XXXX have 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 non-monetary relief
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation