BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX  XXXX {$1700.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX, MT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$1400.00} Credit Limit {$0.00} XXXX XXXX {$1700.00} Pay Status >Charge-off< Date Closed XX/XX/XXXX Status updated XX/XX/XXXX Past due amount {$1700.00} Highest balance $ XXXXEstimated month and year this item will be removed XX/XX/XXXX Remarks UNPAID BALANCE CHARGED OFF I do not recognize this account in the way it's reported and the information here is not true and accurate also show me the method you investigate this innacurrency

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 2019-10-14
Company: Experian Information Solutions Inc.
State: NC
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 contacted XXXX XXXX apartments. Who had issued a fraudulent debt in my name. I informed them that I have no knowledge of this debt that I had never lived in one of their apartments or any apartment in my life. And that this debt is fraudulent. They state it has my name my signature so it is a valid debt. And the only way to take care of it is if I pay a debt that I am not responsible for. Next I contacted Experian Credit Bureau and filed a dispute informing them that that is a fraudulent charge That XXXX apartments are stating I owe them for. Within a couple days of the dispute being submitted Experian notified me that they investigated the dispute and the they determined that it was a valid debt. I resubmitted the dispute a second time informing them that they need to reinvestigate because that debt does not belong to me. Again a couple days later they notified me that they determined that it was still a valid debt. So I contacted Consumer Finance and informed them that Experian is validating an incorrect debt on my credit report. Consumer finance forwarded the complaint to Experian and a couple weeks later Experian sent me a contract that had my name signed to it between someone signing my name. But the signature is not mine It's not even close to my signature it appears that a child signed my name. I sent a copy of that contract back to Experian with copies of other legal signatures of mine any copy of my driver 's license that has my legal signature and the handwriting is obviously not mine. And again they sent me a notification stating that they are not removing the fraudulent debt from my credit profile. If you look at the contract you can see that that information on that contract is not mine. It's not something I signed nor did I fill out. It's an easy visual inspection to see the it is fraud. And now I'm stuck with something on my credit profile that is not mine. I dont understand how a company can just say you owe them and your forced to pay them. I should not have to prove its not mine. They should have valid proof its mine to attach to my credit profile and they can't. What can i submit to prove the debt is not mine except send documentation showing my hand writing?

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 2023-01-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was due a refund of {$94.00} from my XXXX credit card. XXXX said they sent it to Comenity bank, who services the card, but it never showed up on my account. XXXX said they never received the refund. XXXX and XXXX refuse to speak to each other, or give me details regarding the refund so this can be resolved. XXXX  finally sent me a refund check after 6 months and dozens of phone calls. However, after I cashed the refund check, XXXX put a charge on my XXXX credit card account for the same amount stating " refund '', but it's a charge, so it zeros out the check amount they sent me, so I still have not received a refund. At this point, neither company can tell me how to resolve this, who I can contact, or what I can do. They are both shrugging their shoulders saying it's each other 's fault and neither will help me and I'm still out my money. I've attached a document called " XXXX XXXX and XXXX  complaint '' that has the exact dates, phone calls, and other details. I've also attached a copy of my XXXX credit card statement showing the original charge and no refund, and the further charge of a " refund '' that XXXX  made to my account after I cashed their refund check. I've attached a copy of the check I cashed from XXXX that plainly says " Refund Check '' that I cashed in good faith. I've also attached a copy of my XXXX credit card with account information. My contact information and XXXX account info is at the bottom of the detailed complain letter I have attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NC
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
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:
See previous Claim. USAA had now DIRECTLY LIED about the company, XXXX  : " The merchant responded on XX/XX/2022, declining your request for a refund as they indicated you attended more than 50 percent of the course, '' This is a direct false claim by USAA and XXXX. i NEVER attended more than 50 % of this course. I left before 50 % had been completed. 

This decision was made on a lie. This is a complete fabrication, i did NOT attend " 50 % '' of this class.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Description of Complaint : For months and months I was receiving solicitations from Capital One, so I decided to apply for one of there cards which was recommended to help build my credit. After filling out the application it appeared that I was approved and the card was in the mail. Shortly after a day or 2, I was notified by voicemail that my account was flagged as being fraudulent, I was asked to provide approximately 3 documents one of which was a copy of my Social Security card. Even though they insisted I thought that this practice was unacceptable, operators insisted that I must submit those documents. Never had I ever had to submit a Social Security Document to any institution for a credit card. They, Capital One Solicited to apply, Ran my credit approved and sent the card but flagged it anyways. Trying to call and get any reasoning was met with unfamiliar information to why the account was flagged. This appears to be a situation that needs some explanation on the mentioned practice. Looking forward to hearing from you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to refinance my manufactured home and the Property through XXXX XXXX. The title is under Freedom Mortgage. I want my manufactured home to be a permanent location of the property when it was provided to me by original owner. In additional, Previously, Freedom mortgage receiving my business, the manufactured home was a permanent location of the property when I got the loan, but Freedom Mortgage had separated the property and the home when I had financed it with them. On XX/XX/2020, I sent them the information from the DMV-Form ( T-234 ) Mobile / Manufactured Home Certificate of Permanent location is the name of the form. Freedom Mortgage had acknowledge they the received the form. So, they stated their legal department would handle the situation. So, from that I have been going back and forth trying to get this resolved with Freedom Mortgage. Mr. XXXX XXXX is the XXXX County Tax commissioner, and is associated with the DMV- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX GA XXXX, O : XXXX, had spoke with a Freedom Mortgage Rep. and had instructing them what to do, which was not done. They supposed to gave me information to proceed with the combined of the manufactured home and property, and what was sent to me was the Form ( T-234 ) blank, which was what they needed to complete ( Freedom Mortgage ). I asked specifically why aren't you, your company complying with my request, they stated because they can't give out any internal documents. So, I made a complaint with the XXXX XXXX XXXX and with that complaint, nothing was resolved. So, the communication was cut completely off with Freedom Mortgage on their end. The goal I am trying achieve is if they can and will make the appropriated changes and if not, at least provide a reason with recorded documentation.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway XXXX XXXX XXXX {$1000.00}

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 2023-08-01
Company: EQUIFAX, INC.
State: FL
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:
Equifax has not given me a credit investigation to the fraudulent hard credit inquiries I have disputed on my credit report and have asked me to provide the following information. : PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. EQUIFAX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX INQUIRIES ARE NOT PROVIDED TO PROSPECTIVE CREDIT INQUIRIES ARE A FACTUAL RECORD OF ALL COMPANIES THAT HAVE ACCESSED YOUR CREDIT FILE. IF YOU BELIEVE THE INQUIRIES WERE UNAUTHORIZED, PLEASE CONTACT THE COMPANIES DIRECTLY. PROMOTIONAL, ACCOUNT REVIEWED AND ACCOUNT MONITORED INQUIRIES REMAIN ON THE CREDIT FILE FOR 12 MONTHS AND ARE NOT SHARED WITH POTENTIAL CREDIT GRANTORS. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE - I have provided this information to them through their website- I have tried contacting their customer service number but no one ever answers the phone so I can not get through - I have not been provided with documentation showing my signature of authorization for these hard inquiries that o have disputed. I would like a representative from the credit bureau to contact me at XXXX as I am unable to get a hold of anyone on the line

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent multiple letters from XX/XX/2021 to XX/XX/2021 disputing 2 collections that are reporting to my Credit Report and I have NOT received any correspondence back from either company. These 2 collections could be fraudulent and I do not know what they are. XXXX, Equifax, and XXXX  have not investigated any of my request! See attached copy from my credit report showing these collection accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00}.

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 2021-06-20
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I sent a letter stating that I am not refusing to pay the debt but requesting a validation but they just sent me a simple statement from XXXX. I kept on asking for validation but I got nothing but bills and statements. Attached is all the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: ENCORE CAPITAL GROUP INC.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I contacted Midland Funding about a debt in the amount of {$940.00} that was disputed twice and they could not provide proof of amount owed, date the debt was sent into collections/charged off, they could not prove the debt belonged to me or any information from the original creditor or anything about the original trade line. I would like this debt removed and for it to be no longer reported!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX of 2021 I send off a 609 letters to all of the credit bureaus. I dont agree to the amount of {$58000.00}, and the lender rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
In XX/XX/XXXX, I noticed there were 3 capital one accounts reporting on my credit report. 2 of them were accurate, and one of them did not belong to me. I mailed a letter to all 3 credit bureaus alerting them of the inaccurate account. I also stated in the letter that the other 2 accounts were accurate. By the end of XXXX I noticed the inaccurate capital one account was removed and so was one of my accurate accounts leaving only one capital one account reporting to all 3 bureaus. I called XXXX first to alert them of their mistake and they informed me that i needed to contact capital one in regards to this matter. I called capital one to inform them of the mistake and they stated that i should contact the credit bureaus. The Capital One representative also stated that they would be reporting after the XXXX of the month and i should give them a call back if i did not see the account on my report by the middle of XXXX. I didn't think much of it since my account was still open and i was still able to use my card. I logged into my online credit card account today, XX/XX/XXXX around XXXX and i was not able to view my personal credit card account information, however my business credit card information was available. I contacted Capital one around XXXX and the customer service representative informed me that my credit card account was closed do to fraudulence. There was no manager available for me to speak to about this incident. I have had this credit card open and in good standing for 2 years now and it is being closed in error due to the credit bureaus reporting fraud on the wrong account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2022-06-02
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email on my parent 's email that Wells Fargo has opened an checking account in my name. I have not opened any account in my name with their company. I called and they froze the account in question and opened some sort of case. I was transferred to the fraud department and when questioning them as to how the account could have been opened without verifying my identity, they cold transferred me back to the customer service line and are not explaining how they could issue an account without verification. Upon calling back to the company, the representative from the fraud department said that they wouldn't be able to give me any information on the account until the fraud department closes the case in which they may contact me if needed. This seems like a violation of some anti-money laundering laws and consumer protection acts regarding financial institutions. It's also extremely shady to not be able to give information out to me regarding an account they saw fit to issue in my name. They had enough to approve the account but can not give the information to the verified individual on the phone. I have no recourse as to next steps and they didn't tell me how they would fix the problem. I would like a resolution to their error and an understanding of how they can issue accounts without verification.

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