BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
They solicited me for a $ XXXX line of credit card, with XXXX XXXX cash back if I spent $ XXXX in XXXX months. I joined, went to use card for a large purchase, denied it, said I had to build up a spending history. So how do you spend XXXX in XXXX  months? Impossible. Closed account. Account was setup as estatement and autopay/full balance. Never received one statement, assumed paid in full. Notified by XXXX  they filed a past due report on me after XXXX months. No statements, no call, nothing. They acknowledge external account for Autopay says too bad I didn't get statements. Offered to send them email and spam logs to prove no statements sent, didn't care. Would not do anything to rectify report. 
I also never received an email acknowledgement of my final payment, which I made earlier today, confirmation XXXX I do not have the full account number as I destroyed cards when I closed account, I have included most recent statement which I ws able to retrieve off line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Stellantis Financial Services US Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I did surrender my vehicle on XX/XX/2018. I thought if i surrendered my vehicle that was that. I've heard many people tell me that once it was repoed you don't have to worry about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: CA
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I discovered these alleged hard inquiries. I do not recall authorizing these inquiries and I would like to see these deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-24
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 the following accounts 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. 

- Account # XXXX Account Name-XXXX  XXXX XXXX -Account # XXXX Account Name- XXXX XXXX XXXX -Account XXXX XXXX Account Name- XXXX XXXX XXXX -Account # XXXX Account Name- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 three 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 non-monetary relief
Consumer complaint received 2022-09-19
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:
I pulled my credit report with the account I have with Experian and noticed that an inquiry from XXXX XXXX XXXX that is not mine was listed. I tried to contact Experian several times however, once I get an agent on the line the call mysteriously disconnects or drops while on the phone with said agent. After hours and days of attempting to contact Experian, I am left with no choice but to file a complaint through your agency. 

Experian has a false inquiry on my credit report, and I need an explanation as to how this is on my credit profile or a removal. 

My following rights have been violated. 

1. ) 602. [ 15 U.S.C. 1681 ] ( a ) ( 1 ) 2. ) 602. [ 15 U.S.C. 1681 ] ( a ) ( 4 ) 3. ) 602. [ 15 U.S.C. 1681 ] ( a ) ( b ) 4. ) 603. [ 15 U.S.C. 1681 ] ( 2 ) ( A ) ( i ) 5. ) 603. [ 15 U.S.C. 1681 ] ( 2 ) ( A ) ( ii ) 6. ) 604. [ 15 U.S.C. 1681b ] ( a ) ( 2 ) 7. ) 604. [ 15 U.S.C. 1681b ] ( c ) ( 1 ) ( a ) 8. ) 607. [ 15 U.S.C. 1681e ] ( a ) 9. ) 607. [ 15 U.S.C. 1681e ] ( b ) 10. ) 607. [ 15 U.S.C. 1681e ] ( d ) ( 1 ) ( A ) ( B ) 11. ) 619. [ 15 U.S.C. 1681q ] 12. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) 13. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( B ) ( i ) 14. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( B ) ( ii ) 15. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 5 ) ( A ) 16. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 7 ) ( A ) ( i ) 17. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 7 ) ( B ) ( i ) Attached is proof Experian has XXXX as an inquiry on my credit and proof of identity.

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 2022-06-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Car belonged to ex wife. In amount XXXX. The car is a XXXX  XXXX XXXX coupe. I called the company ( USAA ) to remove the loan but nothing was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX  I was suppose to receive my paycheck. However it never came, I ask what could be done and they said nothing that it was up to my employer. I went to have a conversation with my employer, and they stated that they had sent my payroll XXXX XXXX. I called chime back to tell them what my employer said, however this time they said they still had nothing to do with it and maybe it was just a hold, and instead of helping they tell me to just wait it off. From XXXX XXXX  until now which is XXXX XXXX  and I have still have not received my payroll, and sadly they continue to tell me just wait on it because we have nothing else to do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They broke consumer laws incorrect information and irrelevant information old phone number old addresses that has no relevances to me currently XXXX XXXX XXXX XXXX MI XXXX is my only and current address and collections accounts Ive never done business with them and they couldnt produce my original contract with my hand written signature I wanted all and everything account thats not relevant or accurate to be removed immediately

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 2022-06-06
Company: DISCOVER BANK
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I received an app notification from Discover bank that there was an issue with my account and to call them. We waited on hold for over 10 minutes with the number they provided and when we spoke to an associate they transferred us to the fraud department. We were hung up on. We did this two more times before getting the direct number. When we called the fraud department we waited over an hour to talk to a representative. The rep told us that our account had been closed due to a " business '' decision and no other information was provided. They would not tell us when our money would be released, or how we would get it, they repeated over and over again that they'd have a supervisor call us. We called back later that night and the wait was over an hour and 20 minutes. This agent ( XXXX XXXX told us that it would take 60-90 days and refused to answer any other questions. He also said a supervisor would call back, but that never happened. It's been over 48 hours.

They did tell me in the course of this conversation that they had canceled the wire transfer to my landlord ( the same one I make on or around the 1st of each month to the same person, at a local, XXXX XXXX  ).

We made no unexpected purchases, we did not deposit any money from bitcoin or other cryptocurrencies. We do not have a history of bounced checks. We had one transaction fail because my deposit was delayed by a day due to memorial day and it was able to go through the next day. 

All but {$200.00} of our money was in this account and they prevented us from paying for rent, our utilities, and basic necessities like gas and groceries. We had to get money from our family to be able to make ends meet, with no information on why they did this. If we did not have that financial support, we would be at risk for homelessness. It is inconceivable that Discover should be allowed to do this. 

I made a public XXXX and XXXX post and users are commenting that they experienced the same thing this weekend. Either Discover was compromised and this is their solution, or their fraud automation is broken. Whatever the reason, they have put immense burdens on their consumers who are already feeling the deep pains of inflation and gas hikes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: CA
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:
1.XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. 

2. XXXX Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

Per the FCRA 611 ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 and # 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. 

Account # XXXX has contacted me several times, via phone, text and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of.

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 2022-09-19
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022 I went to https : //bizcards.usbank.com/credit/business-triple-cash-back-credit-card.do and saw a promotional offer advertised with the following terms : {$500.00} cash back if spend {$4500.00} in 3 months. 

I have proof that on XX/XX/2022 the website advertised this offer via XXXX. See : XXXX XXXX XXXX : //bizcards.usbank.com/credit/business-triple-cash-back-credit-card.do I clicked the apply link and applied for the card. I spent {$4500.00} in 3 months. I never received the bonus. I called to ask why I did not receive the bonus, I was told that when I registered for the card no such bonus was applied to my account. I asked for them to fix it, and some days later received a letter stating : " We are unable to change your enrollment offer '' Please consider the date of the archive.org snapshot that displays an offer of {$500.00} cash back on XX/XX/XXXX, and consider the PDF of email dated XX/XX/XXXX stating that I have signed up for this exact card. 


I am due {$500.00} cash back. This is false advertisement.

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 2022-09-19
Company: SUNRISE CREDIT SERVICES, INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I alerted Sunshine XXXX XXXX that the debt they are trying to collect is not valid. They are attempting to collect payment for fraudulent charges in the amount of {$190.00} from XXXX XXXX that were investigated by my credit card company ( XXXX ) and resolved in my favor. I provided Sunshine with evidence of the resolution from my credit card company and they are still attempting to collect the 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 explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CFPB THIS IS NOT A DUPLICATE : XXXX XXXX XXXX XXXX, over-stand me when I say this is my final order or you will be sued in Federal Court at the very second Santander dishonor this Order you will be sued for the maximum the Federal Court allow me to with prejudice!!!!!!!!!!!!!!!!!!!!!!!!! 
All persons mentioned can all be tied into Racketeering A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. As I all documentation evidence of XXXX, XXXX, Equifax Racketeering activities the CEOs and CFOs of each company mentioned shall be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have violated all my rights.

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

15 U.S.C 1681 section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instruction

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