BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have reviewed my credit report and have come across several HARD INQUIRYS that are listed below that i am not familiar with at all. TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A. States i have the rights 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 2023-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I logged into my Capital One Mobile App to make my monthly payment, to notice there was a restriction placed on my account. It took me by surprise to see a restriction was placed on my account ; since the account has available credit and is currently up to date. On XX/XX/2023, I called the customer service line to inquire about this matter. The first represented I was connected to, quickly dismissed my inquire and said my account was permanently suspended and payments are still require on their due dates. Since I was dismissed prior to an explanation, I requested a supervisor to explain what was going on. When the supervisor answered, she immediately transferred me to the FRAUD DEPARTMENT MANAGER. The fraud department manager XXXX ( XXXX ) advised me that due to activity on my Capital One Credit Card or another financial institution, our account was permanently suspended and that was it. when I asked for clarification, XXXX told me that was the only information he can provide until we receive a letter that will be sent out. I then asked to speak to the escalation team, to which he told me he was the highest representative or manager above him. We were left with many question and no answers. Please be advised coincidently that we recently sent a letter explaining how our consumer rights were violated. Capital one response to that letter, was requesting more information. The follow up letter was sent with the required requested information, and now this happened in what seems like retaliation. Keep in mind we are long term customer whom never been late or had any defaulted payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/XXXX I paid my credit card balance and closed my account with Citi by phone. 
On XX/XX/XXXX, Citi added charges to the allegedly closed account. 
On XX/XX/XXXX I received an email stating I had a balance dueon the allegedly closed account. 
I contacted them by phone on XX/XX/XXXX, and representative XXXX XXXX said the charges would be removed and the account archived, and I would not hear from Citi again. 
On XX/XX/XXXX I received a letter confirming the charges on the account had been removed. 
On XXXX XXXX I received and email saying I could examine the allegedly closed account online and make a payment. 

I made a complaint here on XX/XX/XXXX, after which I received another letter from them, claiming charges made after the account was closed were waved and that I would receive a " refund check '' of money they do not owe me. No payment has arrived, but I am not looking for that. 

Today XX/XX/XXXX I received another letter from them claiming my account was closed, charges waived and payment sent to me ( it has not come ). They also reminded me that they will NEVER remove my records from their database, after I asked they do so by phone and in my complaint. 

Not sure how I make the bureau and the bank understand ; I do not EVER want to be contacted by them again, nor do I have any interest in doing business with them again, ever. Further, I do not want my information in their records so they may suddenly decide again that I owe them money, after my account was supposedly closed. How do I rid myself of this bank?

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 2023-05-30
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 Roundpoint Mortgage sent us an end of the year Escrow Analysis which showed a significant overage of {$650.00}. They stated that they were going to send us the money a two to three days. It has been a month and we have not received the money. We called and talked to someone and they stated that they hadnt sent the money to us. Instead they sold Our loan and sent the money to a new mortgage company. I called them XXXX XXXX  and they state that they do not have our money and we have to get It from Roundpoint. I have talked With both companies and neither Company is willing to give us our Money. Please help Us. Thank you.

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 2023-11-02
Company: EQUIFAX, INC.
State: CA
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not consent to an electronic communications. I request all responses be in writing through the USPS.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXXdept of Ed has reported multiple student loan accounts on all 3 credit bureaus that do not belong to me. I have contacted XXXX I have contacted all three credit bureaus to request that they delete these fraudulent accounts off my credit reports. And they have failed to do so. 

I have an account in the amount of XXXX open XXXX I have an account in the amount of {$3500.00} open XXXX, XXXX  I have an account in the amount of {$1200.00} open XXXX, XXXX  None of these accounts belong to me and I would like them removed from my credit report under the fcra I have to right to have these items removed.

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 2023-02-12
Company: EQUIFAX, INC.
State: OK
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Under FCRA & FDCPA all disputes must be deleted if creditor does not respond in the 30 days of receipt of the dispute. -- -- -- -- -- -- -- -- -- -- -- - TransUnion will not delete nor remove this item from my credit report even when I provided proof under FCRA. -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/2018, XXXX XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX XXXX until XX/XX/2018 Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item. 

This is damaging my credit rating.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The Items that need to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX Balance : {$180000.00} XXXX XXXXXXXX Balance : {$560.00} XXXX XXXXXXXX XXXX Balance : {$420.00}

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 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I found out for the first time that my credit report from Transunion had report of serious delinquency regarding a XXXX  XXXX credit card with numbers starting with : XXXX. 
When I called XXXX phone number, XXXX which appears on that entry, I was told to call Monday to Friday. 
I called back on Monday XX/XX/XXXX at XXXX and I was transferred to XXXX credit department . I informed the lady that answered that I just discovered that there is a wrong entry of " serious delinquency '' in my Transunion credit report, an account that I never opened or used and that it has been harming my credit since XXXX until now! I have been affected by this account causing me to always obtain higher interest rates and being denied of my applications. I never knew why until XX/XX/XXXX. I asked her to tell me information regarding that account : who opened it? And, she she said that I was not a primary in that account. I asked what is the mailing address of that account? She kept lying saying that she has no further information on that account but that she would remove it form my record since I was not a primary. Furthermore, she kept repeating that it may not even be related to me at all, that it could have been wrongly placed on my account. I have a right to know what or who has harmed me financially all these years. When I confronted her saying that I do not believe she does not have further information, and that I have been a XXXX  customer with good standing payments for years, she accepted that she has more information but can not share it with me. I am very upset of all the financial harm this wrong entry has caused me all these years, and all she could say is " if you had called before when you found out, we would have removed it before ''. I said I just found out, I pay all my bills, why would I think there is something like that in my credit report? 

I have the right to find out more information on an account that has been damaging my credit report for almost 7 years. Please help me find out who was the owner of that account and what was the mailing address? 

Thank you, 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 2023-05-30
Company: PNC Bank N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it might concern : My Name is XXXX XXXX, I would like to file a complaint due to a huge mistake PNC bank did which affect severely my credit score from XXXX to below XXXX hundreds. 

Here are the facts : I bought in XXXX an XXXX XXXX XXXX at XXXX XXXX XXXX XXXXn XXXX Florida, a year later, I traded in the car for another XXXX  at the same dealer. The dealer payoff the debt to PNC Bank. 

PNC Bank said that they sent me many letters since there was an outstanding payment, by the way, the payments since day one was under the autopay system. Also, I moved from XXXX, Florida to XXXX, Florida in XX/XX/XXXX. 
PNC bank never sent me nor called me to arrange the outstanding Payment once I saw my XXXX XXXX down, I found out the reason, the reason was that PNC Bank reported as a delinquent account without letting me know, after many months of a horrible service from PNC Bank, and talking to more that 10 employees, finally I got a letter saying that it was paid off. Also, I sent them a payoff letter from the dealer. Today another employee called me saying that the payment wasnt done. I paid to avoid keep on damaging my credit. I am attaching a pay off letter from the dealership, you will see that the dealer overpays the paid off and return a check to my old address, you can check my XXXX XXXX and I have never ever missed a payment. 

Please remove all the damage that was created by PNC bank if you need further info, please contact me. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently opened a XXXX with XXXX XXXX XXXX XXXX ( Account XXXX ). The Bank never sent me any statement, nor they e-mailed these. When I found out that I was 60 days late on my payment from the Credit Bureaus, I contacted the Bank. They informed me that these statements had been deposited to my online access space, of which I was unaware as the XXXX XXXX XXXX XXXX had been acquired by XXXX  and they were still transitioning through their new XXXX. Suffice to say that I paid the balance and put the future payments to Auto-debit. 

I have thus far contacted the Bank, and even my relationship manager, XXXX XXXX, to no avail. I have never been late or defaulted on my obligations, and I find this instance and lack of their response rather malicious.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-02-22
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : 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 2022-11-16
Company: WELLS FARGO & COMPANY
State: WV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Hello my name is XXXX XXXX and I sent a complaint about six months ago under XXXX but I lost my phone so I'm unable to get any of the documents I had sent you before .me and my husband XXXX XXXX XXXX and XXXX XXXX XXXX never received our XXXX stimulus payment ... I don't know what to do but the IRS said they direst deposited it into a Wells Fargo account ... ok I've never had a weeks Fargo account and also I spoke with Wells Fargo and they said the same thing .now they give me the number they deposited it into and XXXX Fargo president of the bank checked into it and said there wasn't an account number that ever excited with that number..we still haven't received the payment and the IRS put a tracer on it 3 different times do that was a year long wait to find out the same thing we already knew .they said there direct deposited into the weeks Fargo account .okay one thing they never took the time to do was to call Wells Fargo themselves .if they would've done that they would've known that it never happened but they still haven't even tried to fix this situation ..my husband XXXX off work and we are in need of this money..it 's ridiculous that were having to go through this..I 'd you can't help us can you please give me a number or address of someone that can resolve this quickly please .we are owed this money and we need it..thank you very much for your 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 2023-05-30
Company: Chime Financial Inc
State: IL
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:
I made purchases from 2 different merchants and 1 merchant product was faulty so he refunded me. Then I also made purchases from another merchant but she refused to refund me. I paid for online ebooks from these 2 merchants and the books were not good. The female didn't refund me but chime went into the man account twice and accidentally stole from him to compensate for the lady not giving me my cash, I told them that I made 2 purchase each from each of these merchants, they told me that they gave me all of my cash but they didn't. I want my 2nd refund from the lady that chime lied and said that they gave back but they didn't

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief