BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I reviewed my consumer reports and I notice that I have to late payments on an account that I was never late for. Cosumer reporting agencies have assumed a vital role and have the responsability to report consumer information to the best of their ability with maximun accuracy. I have never been late on payments for this account XXXX XXXX please investigate and provide proof with statments showing that the payment was late. If proof can't be provided I demamd these payments are updated to on time as they should never late.

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 2022-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Capital One keeps allowing fraud checking accounts to be opened in my name. The info includes my Social Security Number, full name, home address, email address, phone number. 

XX/XX/2022 : I received a debit card in the mail from Capital One for a XXXX checking account. I didnt open it so I called Capital One. They apologized, closed the account, SUPPOSEDLY deleted my information, and SUPPOSEDLY put a fraud alert connected to me saying that I have no intention of opening accounts with them. Capital One refused me any information connected to the account and told me to file a police report if I wanted it. I also went and froze my XXXX XXXX from the XXXX credit bureaus. 

XX/XX/2022 : I received XXXX emails both at XXXX. The first XXXX said Thank you for opening your checking account with us XXXX XXXX! Please upload XXXX forms of ID to complete the process! It also includes a application ID. The second one informed me that the phone number associated to the account was changed. I immediately called Capital One again. The lady on the phone informed me that she couldnt close the account and that the Fraud department was closed and would open tomorrow at XXXX. She swore up and down that they would reimburse me for any money/loans or anything done in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Macy 's credit card problem -- Macy 's incorrectly continues to bill us for a credit balance check we never deposited ; has failed to resolve this error ; and instead reported my account as delinquent to the credit report bureaus. We have called Macy 's credit card several times over the last six months, but have not obtained any resolution. 

Based several telephone conversations with Macy 's ( Citibank/XXXX  ) credit card representatives, the following facts are undisputed even based on the credit card company 's own account history and notes : 1. On XX/XX/2020 I decided to close my Macy 's credit card account. Because we had auto-pay set-up, we overpaid the credit card account by {$440.00}. 

2. Upon closing the account, Macy 's electronically refunded {$440.00} back to our checking account ( see attached transaction information from my checking account ). 

3. For some reason, on XX/XX/2020, Macy 's also sent a physical check ( No. XXXX ) for the same amount ( {$440.00} ) to us in the mail ( see attached ). We never deposited or cashed this check, and Macy 's has confirmed the same in several conversations through their customer service representatives. In fact, in response to our calls and according to their on records, Macy 's issued a stop order for this check on XX/XX/2020 ( again confirming that this check was never deposited or cashed ). 

4. Macy 's credit card has nevertheless continued to send monthly bills to us demanding payment of the {$440.00} plus interest charges and fees. See the last monthly bill we received, dated XX/XX/2020 showing a total balance of {$510.00}. 

5. More recently, we called Macy 's credit card on XX/XX/2020, XXXX, XXXX, 2020, and XX/XX/2020 in an attempt to resolve this dispute. They continue " review '' our account history but have failed to provide any update or resolution. 

6. Despite our many calls notifying Macy 's credit card of the apparent error and our attempts to resolve it, Macy 's credit card reported our account as " delinquent '' to all three credit reporting bureaus. My credit reports from all three bureaus shows that Macy 's account as the only one that has any negative activity/delinquency. As a result of this incorrect reporting by Macy 's credit card, my credit score has gone down almost 100 points -- from " excellent '' credit down to " good '' or " fair ''. Macy 's  error has directly and negatively impacted my ability to get approval for a new home mortgage loan. 

7. Please, please help me get Macy 's credit card to correct this error and make the appropriate corrections to my 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 monetary relief
Consumer complaint received 2022-04-20
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Citibank Bank NA Issued 2021 Tax Year 1099 C Cancellation of Debt Debtor TIN XXXX XX/XX/2021 {$3400.00} XXXX XXXX XXXX XXXX XXXX this the last 4 of my social security ) Citibank NA has no record from my identity by name address or social security There is no record of this debt on my credit report There is no account in Citibank by account number on the 1099 nor my social security number. 
The police were contacted yet unable to act since there is no suspect or account to act upon, only a 1099. This is likely an error in the credit card company I went to the IRS and the Police. Citibank has made an error or they need to verify the account and provide all historical statements to include money disbursed and collect from whom. What bank was used to disburse money and what type of account is this. 

Claim Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I just learned of your legal action against Navient ( Sallie Mae ) and several other student loan companies. 

I have filed two complaints with the CFPB since XX/XX/XXXX, and would like to join your action against these institutions if possible. 

I filed Complaint ID XXXX in XX/XX/XXXX against Sallie Mae ( before Navient took over ), and this issue is still " open. '' In XX/XX/XXXX, I filed another complaint against the same entity, now known as Navient with Complaint ID XXXX, and this issue appears to be " closed '' even though this issue was not resolved, and Navient continues it's unscrupulous and most likely illegal practices. 

My contact information is below, and I would love to be able to add any assistance to let justice prevail for my family and countless others. 

Best regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to report a data breach claim from XXXX that has resulted in over XXXX inquiries being reported on my credit report. I am concerned about the potential impact this may have on my credit score and financial well-being, and I would like to request assistance in resolving this issue. 

According to XXXX, the data breach occurred on XXXX. Since then, I have received numerous inquiries on my credit report from various companies and individuals. These inquiries have caused significant concern and stress, as I am not sure how they may have obtained my personal information or why they are attempting to access my credit. 

I have contacted XXXX and have been assured that they are taking steps to address the data breach and protect their customers ' personal information. However, I am still concerned about the potential damage that has been done and would like to request assistance in resolving this issue. 

Thank you for your attention to this matter. I look forward to your response and any assistance you may be able to provide.

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 2022-08-26
Company: EQUIFAX, INC.
State: NV
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
For the last year I have had a credit limit of {$3300.00}. On XX/XX/XXXX I made a payment of {$3200.00} that reduced my balance to {$0.00}. On XX/XX/XXXX I made a purchase for {$320.00} but it was subsequently returned. I was waiting on a refund and did not make the monthly payment so my credit limit was reduced from {$3300.00} to {$390.00}. The refund was applied to my account on XX/XX/XXXX for the full amount of {$320.00}, however ; my credit limit has not been increased. When I inquired about the reduction I was told it was due to the late payment. The issue has been resolved and I feel that the reason my credit limit was reduced is because I paid off my balance. These discriminatory practices should not be allowed in the credit card industry.

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 2022-12-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to report a data breach claim from XXXX that has resulted in over XXXX inquiries being reported on my credit report. I am concerned about the potential impact this may have on my credit score and financial well-being, and I would like to request assistance in resolving this issue. 

According to XXXX, the data breach occurred on XXXX. Since then, I have received numerous inquiries on my credit report from various companies and individuals. These inquiries have caused significant concern and stress, as I am not sure how they may have obtained my personal information or why they are attempting to access my credit. 

I have contacted XXXX and have been assured that they are taking steps to address the data breach and protect their customers ' personal information. However, I am still concerned about the potential damage that has been done and would like to request assistance in resolving this issue. 

Thank you for your attention to this matter. I look forward to your response and any assistance you may be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 ACT # XXXX XXXX. XXXX ( NO PAYMENT HISTORY WHICH MAKES IT INACURATE ) ACT # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX 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 15 U.S.C. 1681 c. ( 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. 


XXXXALSO HAVE PROOF THAT THE COLLECTION AGENCY HAVE DECIDED TO NOT RESPOND TO ME BUT IS STILL BEING REPORTED. *

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 2019-11-25
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My original mortgage company was Quicken Loans who transferred the loan to I believe the name was XXXX/XXXX. It would seem this deed of trust has no reconveyance between the two. I have refinanced a few times since and my Deed of trust is currently with XXXX XXXX. I have now started a refinance with XXXX XXXX  XXXX  and the title company has found that Quicken Loans still shows a deed of trust with them. I made three separated calls to Quicken in hopes of getting the letter of reconveyance, but to my surprise they have NO record of me or my wife. This was verified on each call using names, ssn, birthday, and of course the property address. XXXX XXXX  XXXX  has explained to me that with out this open deed of trust being removed they will not be able to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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.

1, XXXX XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: DE
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, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish. an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: NJ
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:
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. 
Account name : XXXX XXXX XXXX XXXX XXXX Reference number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX, Account name : DEPT OF EDUCATIONXXXX, Account number : XXXX, Account name : XXXX XXXX XXXX  XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX, Account number:XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX, Account number:XXXX, Account name : XXXX XXXX, Account numberXXXX, Account name : XXXX XXXX, Account numberXXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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

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

( i did not give you written instructions ) 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
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: Old information reappears or never goes away

Complaint:
I voluntarily had a vehicle repossessed from XXXX XXXX XXXX back in XXXX of XXXX. The account then was closed out on my credit report XXXX of XXXX as well. On XX/XX/XXXX the account started to reflect in my open/ current accounts on my credit report when the vehicle was and the status of the vehicle was closed and sold. Ive tried reaching out to the company using the information they provide the the Creditors and it is the wrong number. Ive Also have reached out to Transunion on SEVERAL OCCASIONS and even asked to speak to a manager, which then results in me being hung up on. At this point I am going to contact my family lawyer because by law the information reporting on a consumers credit report should be up to date and accurate.

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 2022-04-20
Company: ProCollect, Inc.
State: TX
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 settled the debt and keep call me and it on collect that I didnt not paid it, it was paid in full. they agreement to settled with me

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