BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXX XXXX XXXX Date Opened : XXXX XXXX Balance : {$5100.00}.

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 2022-07-09
Company: EQUIFAX, 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:
I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX* DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT ED/XXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I would like to formally dispute fees of {$29.00} and {$4.00} appearing on my Bestbuy/Citicard statement closing on XX/XX/XXXX. These charges stemmed from an unauthorized charge of {$190.00} appearing on my statement that closed XX/XX/XXXX. 

I spoke to the customer service representative in XX/XX/XXXX and explained that I did not authorize the charge of {$190.00} and that charge was removed. I also closed my account at that time. 

I spoke to a customer service representative in XX/XX/XXXX and explained that I did not authorize the {$190.00} charge and was able to get fees for {$40.00} and {$3.00} ( interest ) appearing on my statement closing XX/XX/XXXX removed. 

The customer service representative informed me that I still had an outstanding balance of {$32.00}, but she could not explain the rationale for this charge. Although she could not identify the reason for the charge, she told me that I did not have the right to dispute this charge. I explained that I did indeed have this right, and I informed her that she, as a representative of Best Buy/Citicard was saying something at least incorrect and at most Illegal. When asked for an address to file a formal dispute in writing, she would not provide this address until I threatened to report her. After being on the phone for about 1 hour, the Best Buy/Citicard customer service representative hung up the telephone.

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 monetary relief
Consumer complaint received 2023-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit 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:
I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX made XXXX XX/XX/2023 XXXX the amount of {$450.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

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 2023-01-24
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The account XXXX credit card listed as a charge off in collection status has not changed in 60 days. I have wrote and called equifax and all they do is write paid in the comments. The payment status of the account should say paid was charge off. 
The company ' has sent the correct information to the equifax and still they have not updated the payment status to reflect it as. A paid was charge off status. 
I am in the process of mortgage and have explained this to equifax with no luck Also the company capital accounts for pet vet has asked equifax to delete the account pet vet from its records off my file and they have not done this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: TX
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 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 : 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 2023-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit 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:
I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This was a request to open a dispute for a transaction with XXXX  made on XX/XX/2023 in the amount of {$150.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
Company: Radius Global Solutions LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$4700.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate.

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 2023-05-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase asked me to close my accounts with them, and never provided any explanation. I closed the accounts but have booklets of Checks ordered a few months prior the closure. When I called the customer service for the refund of the money used in purchasing the checkbooks, I was told that the loss is on me. I am requesting for Chase to provide me with the refund and also to send me how to return the unused checkbooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I consumer XXXX XXXX recently reviewed a copy of my credit report and I understand that ARS is violating my rights as a consumer. I didn't give ARS permission to have my personal information. This is a medical debt I have a right to privacy and that is being violated. ARS knows why and when this transaction could have happened. I am not going to continue to have my rights violated, my character defamed, and/or my privacy not being respected. You can have this debt but you should not have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit 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:
I sent a letter via XXXX mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This was a request to open a dispute for a transaction with PayPal-Thursday made XXXX XX/XX/2023 in the amount of {$250.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

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 2023-05-08
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:
XXXX previous complaint inconsistencies were not removed from report. Credit reporting agencies have no written authorization for reporting all items listed on XXXX complaint. Therefore from their refusal to abide by law, and obtain written consent, all items from XXXX complaint must by 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 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 already dispted inquiries on my credit report with transunion that I did not authorise and I keep getting the same response from them telling me I dont have to give consent. I have contacted the companies who are listed with each of these companies and they tell me it is up to the credit bureau to remove the inquiries.

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I want those inquiries listed above removed immediately. The responses I keep getting from Transunion is as follows : We have reviewed your complaint along with the information you previously provided regarding this issue. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. Should you need any additional assistance, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : //transunion.comXXXX  for frequently asked questions about your credit report.

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 2018-01-13
Company: EQUIFAX, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I 've been trying to submit complaint about some accounts are my credit report. For some reason it 's like the credit bureaus are not taking my disputes serious at this point. I 've spoken to a consumer right 's attorney and he 's telling me i have a case against the credit bureaus. I 've decided to submit complaints before taking that step. 

The following accounts are incorrect XXXX XXXX # XXXX This account is inaccurate. Please verify this account to make sure that EVERYTHING is reporting correctly. 

Office Of The XXXX XXXX # XXXX This account is reporting inaccurate. The balance is incorrect. If you do VERIFY this account please provide me with the steps you used to verify it. Who did you speak with, time and date or Please remove this account. 

XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove. 

XXXX Credit Card Clearly this company has made a mistake. I never asked to be an authorized user on this account. 

I know that mistakes happen but it should not happen at my credit 's expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, my name is XXXX XXXX. I have an account with Capital One National Association since XXXX. XXXXXXXX XXXX I have set up several scheduled payments with Capital One, but they consistently withdrew the payments later than the scheduled date. When I became aware of this issue, I contacted Capital One customer service, but I was transferred from one department to another. Finally, I was advised that they would re-run the payment so that I would not have to make another payment due to their error.

However, despite their reassurance, my account became delinquent. Capital One began contacting me frequently, making more than two to four calls a day, using a spam number. 

I have tried to solve this matter in the best way, but the company ignores my correspondence, I have spent a lot of time and my emotional and financial life is being affected by this problem. 

I have worked with the company for over 8 years and have never been late, have paid on time, and have tried to build a good credit score. I also have another account with Capital One for 7 years and I have a good payment history with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022 One Main Financial approved a personal loan for {$3000.00}. 

They asked me to furnish my new lease and they could release the funds ( XXXX XXXX ). 

My landlord furnished the rental agreement than became mad at me and called and discussed my finances with One Main Financial in the XXXX XXXX without my authorization. 

I wrote XXXX an email telling him he was not supposed to discuss my finances or account with XXXX XXXX or her property management company. 

Shortly after XXXX XXXX phoned And solicited illegal information my loan which had been approved XX/XX/2022 was suspiciously denied XX/XX/2022. 

XXXX XXXX and One Main Financial were not authorized to speak to XXXX XXXX or any third party about my personal information and loan and they in fact disclosed personal information Cavour me to a woman with a criminal past and who was in jail and a suspected XXXX. 

XXXX XXXX and the property owner XXXX XXXX tried to extort money from me and when I thwarted their efforts called One Main Financial illegally and had my loan cancelled. 

What troubles me is the lack of identity protection and wanton disclosure of my financial affairs with a known criminals and felons. 

One Main Financial should be closed as an institution to protect me and the unsuspecting general public. 

Never in a million years did I think a private party ( ies ) could get angry with me call my loan originator and have my loan cancelled for a personal matter/dispute.

Please penalize One Main Financial. 

Thank you!

Company response to consumer: Closed with explanation