BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 XXXXTRANSUNION 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 want you to investigate this inappropriate information on my credit report and after investigating please delete it! 


Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$820.00} Account Number : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$1700.00} Account Number : XXXX XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$0.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$770.00} Account Number : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$0.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$1900.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$2900.00} Inquieres -- -- -- -- -- XXXX XXXXI XX/XX/XXXX AXXXX 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 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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 am writing to formally attest that I am a victim of trafficking in persons, as defined under section 605C of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in complying with the legal obligations outlined in the FCRA to ensure the protection of my rights XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 usc 1681 ( b ) ( 2 ) Permissible purpose of a consumer report- In accordance with written instructions of consumer ( Me ) to whom it relates. I did not give written instructions. To any bureau to pull my report and therefore all hard inquires must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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

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 2019-08-05
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I suffered damage to my home in XXXX of 2019 due to a major flood in the XXXX XXXX XXXX of XXXX, TX XXXX. A check was provided to me on or about XX/XX/2019 by XXXX XXXX XXXX. The check was endorsed and sent to LoanCare within 48 hours of the receipt. XXXX responded with a request for documents. Requesting the following : LoanCare Claim Tracking XXXX Loan # XXXX Adjusters Worksheet Waiver of Lein Contractors License Signed Contract W-9 from Contractor All was provided by overnight XXXX. Several days later I called to confirm they had received the information. They said they had but needed the Waiver of Lien on their letterhead. This was provided on or about XX/XX/2019. Checking back several days later they said that the information was not sufficient because the Contractor did not have a Contractor 's License #. This is not available in the State of Texas since Katrina and Ike. Several days later they came back asking for a Surety Bond. I have been unable to locate one that is for a private residence that is not being reconditioned with public monies. I have attempted several times to get the name of anyone in " upper management '' that is referred to by the various call centers I have been routed to. I have requested a phone number to the corporate headquarters on several occasions including today, XX/XX/2019. I had discussions in the last three weeks and was supposed to have been contacted by " upper management '' on XX/XX/2019. As of today I have not been contacted by anyone in LoanCare XX/XX/2019. I talked to three different call centers today. The second call center indicated he would be transferring me to " upper management '' but instead transferred me to another low level call center. This call center would not give me any information about upper management either, but said a Supervisor would be calling within 24 - 48 hours. This is the third time I have been told a supervisor would call. I have not missed any payments to this company, who by the way purchased my loan without my knowledge, and I feel they are being unreasonable in holding the money for the repairs to my home unnecessarily long. The amount of the check exceeds the amount I owe on the home by nearly {$30000.00}. Their liability is far less. In looking at this company on line it appears they are continually indulging in what appears to be fraudulent practices. I need the names and address and phone numbers for the principals of LoanCare so further dialog can be made. Their delay is beginning to impact my abilities to maintain any type of lifestyle. It is difficult to maintain two house payments, the one they hold the mortgage on and other living expenses.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: NY
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:
The account in reference is my XXXX XXXX  Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue 1 : Date of last payment [ XXXX shows XXXX XX/XX/XXXX, Experian shows XX/XX/XXXX, XXXX shows XXXX XX/XX/XXXX ] Issue 2 : Account numbers differ ( see attachment ) Issue 3 : Date closed details [ XXXX shows XXXX XX/XX/XXXX, Experian shows XX/XX/XXXX, XXXX shows no date/info ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2020-05-10
Company: K A P S & CO (USA) LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THe original creditor is XXXX XXXX XXXX XXXX XXXX, a card was set up in my name by someone else, it was turned over to XXXX XXXX XXXX, I disputed it with the creditor and XXXX, they confirmed it was fraud, removed the balance owed and took it off my credit report, now it is with a new collection agency and is back on my credit. The original creditor, who I am a current customer with in excellent standing, says they show the prior balance was removed. They told me to contact XXXX who apparently sold it to KAPS, XXXX says they notified KAPS of fraud, but KAPS will not remove the debt from my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a Capital one Business + credit card ending XXXX have been used for around 2 years. The capital one bank put restriction on my account on XX/XX/2023 and ask me to submit the bank statement from XXXX XXXX XXXXXXXX XXXX checking account XXXX and XXXX business account ending XXXX. 

I submit the XXXX XXXX checking account bank statement on the same date with my company name, and also submit a ownership letter which provided by XXXX that has my name, company name, routing number, account number and balance. At the same date, I submitted my latest XXXX XXXX bank statement. 

On XX/XX/XXXX, somebody called me and request me to provide me a bank account ending in XXXX belongs to XXXX. I did that as well. 

Same date, they requested me to submit the XXXX checking account void check or account summary. I explained to them I do not have check for the XXXX because I am doing the online business, and everything is wire or ACH. But I screenshot my dashboard of the online banking with shows the full account name, and business name, balance and latest transaction details. 

On XX/XX/XXXX, they called me and told me the business bank statement has to have my name XXXX XXXX on it. I keep explaining to them that whatever I download from XXXX or XXXX or XXXX, the business statements do not include my name. The ownership latter of XXXX is enough to prove I am the business owner. They said can not accept it. 

I am using this card for over 2 years, setup the auto payment and never pay late. Just triggered 2 auto payment returned due to the business slow on XX/XX/2023 but I do submitted another $ XXXX payment after that. 

I used this card to fulfill my order with over 20 suppliers, the frozen of this card have strong effected to my business. I need them remove my restriction as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
{$4000.00} were withdrawn by Western Union ( WU ) from my XXXX XXXX  on XX/XX/2022 with commitment to deliver same in dollars to me in XXXX on XX/XX/2022. BUT when I presented myself on XX/XX/2022 I am offered Guaranies or nothing. Personal visits to WU offices in XXXX where the money was promised delivered on date certain ( XX/XX/XXXX ) gets me " WESTERN UNION TELLS US NOT TO PAY IN DOLLARS. '' And " we are not banks, when we collect sufficient dollars we'll contact you. '' Tel-con to three WU agents in XXXX I am repeated " we are not banks '' and " you can be paid now only in XXXX. '' Nice scam. I rejected delivery in XXXX specifying dollars because WU exchange runs 5 % lower than local exchange houses!. Tel-con to WU US only gets me " nothing is lost you can get your money back when you return. '' Imagine! Instead of receiving contracted amount I am treated as a source of interest free money for WU!

Asking to speak to a supervisor produces, " call back in 20 minutes '' and I'm not allowed to give supervisor 's name. '' Essentially XXXX XXXX XXXX These third party so-called customer support are little more than CYA for the company as no responsible person can be reached unless by pure happenstance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Ive been trying to figure out my escrow account with my mortgage compnay an i called them today XX/XX/2020. I was informed that its empty, actually XXXX  negative. An that they would get back with answers on XXXX of XX/XX/2020. I went through this with them before an cfpb had to get involved. This is why i am not waiting till the XXXX of thia month. I paid XXXX all of last year for a total. XXXX. Plus ive paid four months at XXXX of this year for total of XXXX. I pay XXXX a year tax, XXXX home insurance and XXXX flood. I spoke to my mortgage company around XXXX first about switching my flood bc they hadn't recieved the information where i switched to the cheaper XXXX a year from the more expensive XXXX a year. I asked them if id get it back, the difference and they said yes. An when i called today on XX/XX/2020 they said it was negative XXXX and they would look into it. I know what i pay in and what payments go out. Can not be empty.

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 2021-04-15
Company: Experian Information Solutions Inc.
State: GA
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:
Experian need to remove " ESCALTED REMOVAL / SUPRESSION REQUEST CONFIRMED BY THESE COMPANIES AND IMMDIETALY REMOVAL IS REQUESTED ''. 

Please see attached the screen shot of my account. 

Please remove the following hard inquires immediately from my credit account. Other bureaus have removed updated and these inquires are need to be removed from Experian. These inquiries have been escalated by : XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I spoke with personnel from XXXX, Equifax, and XXXX about the possibility that fraudulent accounts may have been recorded on my consumer file. Since I didn't know how the accounts got there or anything about them, I urged them to erase them. I was given the go-ahead by all three companies to file the necessary documentation and finish the FTC report XXXX I sent my letters by certified mail on XX/XX/XXXX. Despite the fact that the accounts are not mine and had been on my report for more than 30 days after I sent my letters, they were somehow " verified. '' Since it hinders my family and I from making purchases, this issue has me perplexed and annoyed. I contacted all three businesses once more on XX/XX/XXXX and inquired as to how they could confirm that these accounts belonged to me. They merely told me to get in touch with the creditors directly and said they couldn't help any further. When I tried to contact each creditor who had been falsely claiming on the consumer file that they were unaware of me or the accounts, it didn't surprise me. I had exhausted all of my alternatives, so I turned to the CFPB website, which some of my friends had suggested I check out in my predicament. Since my family and I are attempting to submit an application for a house, I genuinely hope that this is useful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Dear President Trump. As a follow up to my complaint against Navy Federal Credit Union, they sent me a note telling me that under the circumstances the only thing they are willing to do is to extend the credit card note two extra months but also warned me that I would pay increased interest and fees. 

I am asking that as a direct result, you permanently deny Navy Federal Credit Union any relief under the stimulus package because they are taking money under false pretenses. They are not providing equal relief to the customers and in many cases, like mine, are increasing the amount due significantly based on the 27 % interest they are charging. 

I do not think this was your intent. 

It has been my experience that the Navy Federal Credit Union and their leadership are corrupt exploitive and have no truth in them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: MN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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