BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if XXXX  is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX  Transunion or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what's is right under the law.

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have contacted all 3 bureaus to fix the issue. It had been fixed when I called but afterwards the information was put back on my reports. They are also reporting inaccurate information pertaining to my accounts across all 3 bureaus. The reporting information is inconsistent and it violates my rights under the FCRA.

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 2020-11-06
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested both online and via usps mail that fraud alerts and freezes including the extended be removed from my credit report but have failed to be removed. Furthermore the initial fraud alert was done so fraudulently in an attempt to keep me from using my own credit and obtaining credit. I have include my DMV issued identification as I have also done previously to verify my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citizens bank has refunded me XXXX for the money that was stolen out of my account imagining but there still matter the {$300.00} is supposed to be credited to my account for opening a new account and starting direct deposit I dont know why this wasnt addressed they only addressed one portion of it and thought they would fix it But this is definitely false advertisement and definitely an issue that needs to be handled I made deposits there a bank chose to break the deposits down to two separate ones one for XXXX one for XXXX so it didnt hit the XXXX mark so I wouldnt be eligible for the bonus which is completely ridiculous Ive tried contacting them like I said they did help with one matter but this is still outstanding issue Ive submitted the documentation prior to go along with us

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 signed up for a XXXX  card after being approached in the store, I agreed and paid {$25.00} and did application. Before receiving the card in the mail I went back to the store and phoned and said I didn't want another line open and wanted to close and cancel. I was told I had to wait for the card to come in the mail and then call and cancel. I did this and was told they would close the account so I cut the unactivated card up and put it in the trash. I got a statement 30 days after this with charge on the card for membership, I called again and told them this should have been closed. They told me would close it and to go to the store and refund it, went to the store and they said they could not do as the account didn't show closed, since then I have called multiple times to close the account and they have not done so, they sent another card I didnt activate and again called if need be I can file a police report because at this point I don't know what else to do. The last call was XX/XX/XXXX I believe when again. I was told they would close it. I do not want and have not charged anything to this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-24
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX , XXXX. located in XXXX XXXX, MN claims that I owe a debt of {$1100.00} and that the original debtor was XXXX. I sent the initial letter disputing the debt on XX/XX/2018. XXXX XXXX replied claiming that the debt was " verified '' however, they have failed to provide competent evidence BEARING MY SIGNATURE, showing that I have ( or ever had ) some contractual obligation to pay them. This is a violation of FCRA & FDCPA. If a company is unable to validate the debt, it must be requested by the credit bureaus that the entry be removed. 
On XX/XX/2018, I sent a second letter to XXXX XXXX requesting, yet again, a contract bearing my signature as proof that I have a legally binding contractual obligation to pay them. XXXX XXXX responded with an itemized statement rather than my signature on a contract. I requested for them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I may inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they must be aware that a printout of a bill or itemized document does NOT constitute verification. 
I am a victim of identity theft, and I am simply requesting proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a Chase Sapphire Reserve Credit card. My credit limit was over {$30000.00}. I also have a Chase Freedom Unlimited card that has a credit limit of {$5500.00}. The Chase Freedom Unlimited card does not have an annual fee The Chase Sapphire Reserve has a {$550.00} annual fee. I transferred most of the XXXX XXXX credit limit to my Chase Freedom Unlimited credit card. I currently have a credit limit of {$2000.00} on the XXXX XXXX. I have called several times to request that the annual fee be waived. They will not waive it. I requested this in accordance with public law 111-24 ( XX/XX/2009 ) 123 STAT. 1742. It states that by law the annual fee has to be waived if the annual fee is greater than 25 % of the authorized credit limit. Are you able to help me with this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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:
I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that need to be removed from my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I was sued by XXXX XXXX XXXX XXXX over a Synchrony Bank/Care Credit card that went into default in XXXX XXXX XXXX XXXX XXXX XXXX Division I in the Circuit Court of the 13th Judicial Circuit , in and for XXXX XXXX XXXX XXXX XXXX The amount claimed by XXXX was {$8100.00}. The case was removed into arbitration with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made multiple attempts to have the total amount of the debt verified by XXXX XXXX  I never received a satisfactory response, despite the lenghty litigation. The XXXX attorney requested several amounts from me at different points in time, and doesn't have the documentation to prove how much is owed. The XXXX attorney filed two documents in support of his case that allegedly were provided to him by Synchrony Bank. 1. A Credit Card Agreement that was filed as a response to my request for the original contract. 2. A sworn affidavit from an alleged Synchrony Bank employee, who swears under oath to data related to the account in dispute that contradicts my own records. No personal information was provided so I can contact the XXXX and verify her statements. 
I contacted Synchrony Bank on XX/XX/XXXX to ask them to verify the authenticity of the two documents, and to provide me with a statement confirming or denying their authenticity. I suspect the documents were forged by the XXXX lawyer to cover up for the lack of evidence. Synchrony Bank would not return my emails once I made my request. 
Synchrony Bank sold this account to XXXX without the required OALD. I need them to verify the documents I sent them and I will also need other OALD from them. 
I've been harrassed with litigation by XXXX over this account since XX/XX/XXXX, without the proper documentation. Synchrony Bank must provide me with sufficient information so I can defend myself. I requested OALD from Synchrony back in XXXX as well, and they never sent me any of the documents I requested from them.

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 2023-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I have a loan with CAPITAL ONE. The current status should not be showing late because I paid it on time XXXX and XXXX Credit Reporting Agencies lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be extremely valuable. We are hoping to purchase a house. Kindly assistance

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 2023-02-19
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:
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 2020-07-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, Equifax and XXXX. It has been __ days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries were posted to my credit report from the following companies that I did not make or authorize : XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-24
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) has appeared as plaintiff in a foreclosure case, Index XXXX, in Supreme Court, XXXX XXXX, NY. In a response to a complaint I filed with the CFPB, I asked the question ( paraphrased ) " Do you, XXXX, own my mortgage and Note? '' Their answer to the CFPB, ( paraphrased ) was " We are not a party of interest in this matter, '' which a reasonable person would interpret as they, XXXX, is not the holder of my mortgage and Note, but in a court of law is vague, so I am getting more specific with this follow up complaint and asking " At any time did you sell my mortgage and Note to anyone? At anytime did you specifically sell my mortgage and Note to a debt collector, XXXX and XXXX, located in XXXX New York, or XXXX XXXX, XXXX, located in XXXX, New York? 

It is likely that XXXX  will claim that this is a duplicate of a previous complaint. They have done this before in a previous complaint I filed. This Complaint is not a duplicate but is a follow up to that earlier Complaint, in order to clarify their response to my earlier Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: CITIBANK, 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 status incorrect

Complaint:
I have paid the company! I have sent several letters requesting verification, but there has been no response.

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 2020-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates has called mt phone within the last 90 days 422 times per my caller ID and other applications via cellphone. I explained to this collection company that this debt is unknown and I do not recognize the account from XXXX XXXX. After conducting additional research over the weekend, the account was changed four times from one store to another that I never knew existed. I have requested that this collector send it back to originator where the matter could be handled legally and send proof of any documentation that they had regarding charges and its ' original application. 

This company placed this collection on my account soon as the country went into a state of an emergency. They have called on several occasions as well where the state I live in requested all call and collection activities to cease under a mandatory mandate or moratorium. Yet alone, the debt is erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: General Motors Financial Company, Inc.
State: MD
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX and GM Financial Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have a 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