BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I received a pre-qualification notice from Capital One with reservation number and access code. Based on the response which I received through CFPB and from the Capital One Consumer Advocacy Office on XXXX, I was kind of suspicious but a bit optimistic to accept the offer and submit application for credit on this day of XX/XX/2022. The date matches the deadline for the Capital One Settlement deadline [ I have attached copy of my repeated inquiry to the administrator as advised by the Advocacy Office ] What made everyone suspicious is the similarity of the purported codes, reservation numbers and many other access stuff., including CFPB case numbers and Capital One case or file numbers. They declined my application in less than a minute. What frustrates me is not the usual life and stuff of my individual situation ever since I fell to the hands of XXXX XXXX in the late XXXX. What frustrates me is the never ending and stone written denial., declining and many other stuff which I do not give any honor or respect anymore based on the existing fact [ RICO Act anaesthetized by the same culprit who is always more Friend and/or more XXXX than the XXXX ] which implies that there is something that would never change forever. That something is called life, liberty and pursuit of happiness which is taken away from me by bad peers who are warming up to start life of retirement after XXXX of dollars were paid to them and as they are claiming they were the chosen ones who were added as job to the economy. Good for them. Good for the country. After two decades of dark and despair., what I can understand is that the augmented disparage is still running here and there to divert attention and turn every punishment and retaliation as a way of life. We survive. I suspect retaliation/Identity theft and bad bully which is so detrimental. Red eyes do not come easy. Some can buy a XXXX worth of stuff for {$1.00}. Some would XXXX and/or waste a $ XXXX, to obstruct that {$1.00}. We all lived to witness what we are today though.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Affirm Holdings, Inc
State: PA
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 have contacted affirm inc several times in regard to my consumer rights being violated. gross income or ordinary income or canceled debt is excluded from consumer reports. affirm inc received a tax deduction for this charged off accounts : XXXX but i never received my 1099c form this is tax fraud affirm inc has committed . this account is inaccurately being reported to XXXX. this is a violation of 15 usc 1681a they lied said it wasn't cancelled in a letter, but it was because it still reports monthly as a charge off i demand this account to be deleted. 26 usc 6050p was also violated by affirm inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX XXXX XXXX XXXX  Account Number : 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 explanation
Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: GA
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:
To whom it may concern, Experian has been reporting unverified and inaccurate information on my report for several years now. Despite the fact that these accounts are now past the statute of limitations and that I have disputed these items several times they refuse to remove the unverified information or provide proof of verification as I requested. XXXX was unable to very what was being reported on my report and so they deleted those items. I sent a follow suit letter to Experian and they have refused to comply and continue to update these accounts as verified. I am prepared to seek legal counsel to remedy this situation that has caused me years of financial hardship, lost employment opportunities, lost rental deposits, denial of mortgage loans, car loans, emotional and physical distress due to poor FICO scores caused by false reporting by these bureaus. My consumer rights have been violated REPEATEDLY and I demand that the following accounts be permanently deleted from my report in the next 1-2 business days and that these Bureaus be held accountable for the destruction they have caused!!! 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 2022-07-01
Company: EQUIFAX, INC.
State: KY
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, Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to Privacy 15 U.S.C. 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX XXXX XXXX XXXX  Account Number : 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 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 2022-07-28
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Santander Consumer is a debt collections Agencie that is illegally and inaccurately Reporting on my credit report i have disputed this account 2x with the reporting agencies and they have not investigated this matter properly and effetely this collection Agencie is reporting on my credit report without proper protocol I have not been notified of any debt with this company I do not have any contract with this company the account is closed and charged off this account has already had a tax break on the account with the original creditor this account is pass the statute of limitation to be appearing on my credit report I have taken legal action in this matter this account is in violation code 15 u.s.c. 1681 and Violation code 15 U.S.C 1692 this account has been reporting that it has a pass due amount and also reporting as a revolving account meaning the account is still active and that is false and misrepresentation I also have no validation of this debt with this company I am requesting this account be removed from my account immediately or me and my attorney with move forward in legal action for punitive Damages and Negligent actions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This Debt is Past the Statue of Limitation ( 7 years ) the date of discharge is XX/XX/15 I had this Debt removed because it is past the 7 year date of closing of account. I am being harass by this Company thought unfair tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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, Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to Privacy 15 U.S.C. 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-08-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove these Fraudulent Inquiries from my report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-06-08
Company: Experian Information Solutions Inc.
State: NY
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 following accounts have violated my rights : XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Bank XXXX Account # XXXX. 

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 2022-12-02
Company: CITIBANK, N.A.
State: NY
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 was notified on XX/XX/XXXX of a pending legal matter related to a Citibank card ( XXXX XXXX store credit card ) opened in my name in XXXX. I did not open this account. I contacted the notifying legal party this was fraudulent, then called the police and reported the same to them. They recommended checking my credit report, which I did through XXXX, XXXX, and XXXX. I did not find the account on any of the reports but did place a credit watch on my account. I also contacted the vendor direct as I was suspicious it was not a valid debt and was told the account had been reported as fraudulent. I was transferred to their account recovery team who told me they were unable to see additional details on the account and I would need to call back in 5 days so they could request access. This account is over XXXX XXXX XXXX and was fraudulent from the start.

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 2022-09-21
Company: EQUIFAX, INC.
State: MT
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 paid and settled XXXX XXXX number XXXX. This is no longer in collections and needs removed from my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian is violating my federally protected consumer rights and committing fraud.

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 2023-11-03
Company: EQUIFAX, INC.
State: IA
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2022-08-22
Company: ALLY FINANCIAL INC.
State: OR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have tried repeatedly, in every which way, phone calls, letters, emails, texts, to close my CD account with Ally Bank at maturation which is XX/XX/22. They keep asking me to jump through hoops and then tell me they can't give me MY money!!!! 

I waited an hour on the phone to speak to a rep, he said I'd get am email asking for my id. It never came. A week goes by, no word, so I sent a letter. A letter, return receipt, with a copy of my id. I get a phone call after a couple of weeks. Time is of the essence here. I began a month before my CD matures. Now it has matured and the woman on THIS phone call tells me she can't send me a text so she can't help me. 

I do NOT want automatic renewal and I made that clear in every way possible. I WANT MY MONEY! THEY ARE TRYING TO STEAL MY MONEY Last woman I spoke with is XXXX XXXX XXXX. SHE can't send a text so I get robbed?! 

Uh... nope. 

I WANT MY MONEY NOW!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 dispute inquires listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX that are result of Identity theft, I have called all the companies with no help and i also mailed transunion and called with no help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: WA
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 a renewal of complaint XXXX XXXX. Equifax " company response '' is nonsensical. The complaint is bad faith conduct by CRA by not providing a copy of their " report '' to the subject consumer. As required by state & federal law & the Agreement this company has with the FTC. Please make additional notifications. Said plainly, Equifax ignores its requirement to comply with the law. 

Their explanation is a patronizing series of platitudes, not a statement of facts. CFPB fails to enforce the FCRA which provides that CRAs shall provide a copy of its file upon request. Closing the reference complaint rewards the violation & does nothing to address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage company is attempting to foreclosure on my home with a fraudulent assessment. I sent a Qwr and they have not responded to my QWR dated XX/XX/2022 nor have they responded to the one dated XX/XX/XXXX. 
I sent a debt validation and they happen responded. I requested mortgage assistance and they have not send a modification package. 
The assignment was robo signed and fraud cant be the bases of obtaining a deed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: UT
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:
Somebody fraudulently opened a credit card in my name at a credit union I have never done business with. Im disputing it on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was victim of identity theft in XXXX of XXXX, due to a security breach at work so we were provide with internet and credit monitoring. the perpetrators that got a hold of my info started making charges to my various accounts opening up accounts and making fraudulent charges at XXXX XXXX, XXXX, XXXX, Synchrony bank, XXXX XXXX  and so on. They even tried or change my address to receive the credit cards to their homes. s with out my authorization or consent. 

I place a freeze on my credit in about XXXX of XXXX. 
but now I'm still getting notifications and collection notices from XXXX XXXX XXXX XXXX / /Syncrony Bank XXXX XXXX.These charges were made in XX/XX/XXXX. After the freeze order was placed through XXXX, XXXX, XXXX. 

I did open an account to finance a new heat and air system for my home but we payed that amount in full {$10000.00}. Banking check # XXXX Back in XX/XX/XXXX and it cleared on XX/XX/XXXX According to my bank statement.But those charges of {$9400.00} We done on different account number. I ' have been sending them proof that Idid not authorized the opening of new accounts. 

I currently disputing these charges.

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