BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/XXXX, there is an unauthorized inquiry from XXXX XXXX XXXX XXXX Tran Union credit report. Let it be clear, I DID NOT APPLY for an XXXX XXXX card! Nor did I receive any letter from XXXX XXXX. Trans Union illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the FOURTH TIME I am addressing XXXX XXXX XXXX NEGLIGENCE! 
After the XX/XX/XXXX CFPB complaint, I received letters dated XX/XX/XXXX from XXXX XXXX stating that my application may have been declined in error. We apologize for any inconvenience this may have caused. What does XXXX XXXX not understand? I DID NOT APPLY FOR AN XXXX XXXX CARD! Any application XXXX XXXX received was unauthorized.

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 2023-04-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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:
I bought a cell phone from a merchant named XXXX XXXX the product was damaged when I received it. However the bank gave me back the provisional credit and because I missed a date for sending in more information the bank then reversed the credit and has left me in the neg. Which have my bills being paid late and effecting my credit. I have tried everything on this Matter to try and solve but nothing comes of it

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: SC
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:
My First & Last name are as follows : [ XXXX XXXX ] My Current Street Address is as follows : [ XXXX XXXX XXXX XXXX SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My current address is : [ XXXX XXXX XXXX XXXX SC 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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have submitted a dispute dated XX/XX/2020. It was received on XX/XX/2020. There has been no notification of any disputed started by Trans Union. Its been more then 30 days and no investigation results have been produced either. Trans Union did not conduct an investigation into the dispute of the inaccurate credit items I requested.

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 2023-10-09
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I made a payment to XXXXXXXX XXXX through XXXX XXXX, there were two payments of XXXX which were only completed and only 1 payment was received, the other was pending because what a customer service representative told me was that Since the payment was exact, they took it as a duplicate and had to investigate it. Since that date, XX/XX/XXXX, I have been calling to see the solution to the case, every time I have called to get a response they tell me that I must wait 72 hours, every 72 hours I call and it is always the same response of 72 more. It's been days, exactly 14 business days and I still have no response. I made that payment personally and in cash. As you can see, for me it is a considerable amount of money that I urgently need to recover. It seems to me that I have waited long enough to get a real response and my money back.This is the case number that I have open in Western Union CASE # XXXX. In their policies they say that they have to resolve the problem in a maximum of 15 days, and that time is about to expire and I still do not have a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: PA
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2020-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Application for XXXX credit card declined, pulled credit report and found there was 1 negative account on my credit report. After further investigation it was discovered that the negative account was my Kohl 's credit card. Contacted Kohl 's to find out what had happened and they stated it was due to a late bill that was never paid from XXXX. I was unaware of any remaining balances on account as a payment was made on XX/XX/XXXX. Ten years I have been a card member with Kohl 's and have never had a late payment. Due to XXXX XXXX, I have been inside my residence for the time being and have not received any statements or bills in the mail regarding money being owed. Per Kohl 's Collection Dept. a letter was sent to my address that was returned. My mail is delivered to a mail receptacle in my neighborhood and there has not been any mail deliveries or notifications left at my door. On Friday XX/XX/20, I requested manager of Debt collection call me as I do not feel it is my obligation to pay late fees when no statements where ever delivered to my mailing address. I was told someone would call back within 24 hours. I did not receive any calls, emails, or text notifications of them trying to reach out to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human b

eing, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 explanation
Consumer complaint received 2023-04-11
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: Their investigation did not fix an error on your report

Complaint:
contacted debt collection agency about an inaccurate collections reporting on my profile. XXXX. XXXX  customer service rep notified me that they could not locate any record of a debt under my name. It was also discovered that this company is not licensed to legally collet debt in the state of Texas  where the debt originated or in the state of Georgia  where I currently reside. I disputed with Experian over 30 days ago and account has yet to be deleted.

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: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credence resource claimed they have been trying to contact me at another address and insist I live at the location. They threatened to continue to destroy me during the pandemic about the validity of such debt. The original company XXXX XXXX XXXX  ceased contact years ago because I never renewed contract with them it was cancelled and equipment was returned. Credence Resource has harassed and threatened me over the phone when I have called them. They have continued to call and not identify company or leave message. Repeated calls seven minutes apart. This is the second time I have submitted dispute. One was XXXX  now XXXX XXXX  but my contract was with XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
There were two of my accounts involved on my same Capital One 360 Checking Account ending in XXXX. I was pretty stressed when both of these vendors charged my account After I cancelled. Today, XX/XX/2023, I cantacted my bank, Capital One 360 after I noticed that both companies had charged my account. It was also very stressful because I had to give my information three separate times because I was transferred to three different departments. When I inquired why I wasn't transferred to the right department the first time, there was no response. I needed to get the unauthorized transactions credited asap because they had plunged my account into the negative. I had to repeat the issues to all three departments because no one brought over the information. That being said, in the last department, I ended up speaking to XXXX. I kept telling her I needed to get this taken care of right away as I have serious health issue and was waiting for a call back from my doctor. I still ended up on this call at least 45 minutes which was really frustrating. On my XXXX XXXX XXXXXXXX I needed a credit back of {$14.00} which appeared on XX/XX/2023 and I asked to do a stop payment so this could not occur again.I also asked for a credit on XXXX XXXX XXXX which appeared on XX/XX/2023. I asked that a stop payment be placed on this account also. XXXX became argumentative with me and kept repeating the dialogue that it could take up to 10 days. I kept telling her that would not work because my account was in the negative and I am going thru enough trying to make ends meet since I am a XXXX XXXX XXXX XXXX I told her I heard whaat she said the first time, but XXXX kept repeating the same information to me again and again when she knew I had to speak to my doctor right away.. Then she told me she could not put a stop payment on the XXXX because it wasn't recurring. I have a membership which is veerified on the attached but she kept insisting nothing could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited 3 checks and 2 of them went through. I closed my regions bank account and they sent me checked from my closed accounts. Huntington blocked my account and access to my money because one of them was returned. I tried to cash them at my primary bank at XXXX. XXXX  said they cant cash them and that I can cash them else where. Thats what I did, I cashed them at Huntington because I thought everything was fine. However it wasnt fine because like I stated Huntington is force closing my account. I contacted XXXX and they told me that the cashier checks was good and clear to deposit else where. Ive received emails and letters saying 2 of my deposit had got hold released. I called today and they said I would get a letter explaining why my account is getting closed. It wasnt a mistake on my end I did everything properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, on behalf of The XXXX XXXX, has a debt from XXXX  listed on my accounts with all XXXX credit bureaus that does not belong to me. It belongs to my ex-husband and his current wife. I never lived in that apartment, as it is where he moved when we separated. I have sent them proof in the form of my lease from where I was living at the time in question as well as a court document from that time listing my address. They refuse to remove this false information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Genesis FS Card Services, Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Destiny Mastercard. My payment date is XXXX of the month. Destiny Mastercard was Genesis FS but now is XXXX. I went to make my payment on the Destiny website & found out that Destiny on accepts Checking Accounts not Debit Cards ( I don't have a Check/Saving Account & don't plan on getting one ). I called Destiny & was informed that payments are only accepted By Mail or XXXX XXXX. XX/XX/23. I mailed in my payment of {$40.00} as of XX/XX/23 Destiny claimed they haven't received it & Destiny charged me a Late Fee of {$35.00} which brought my acct in the Negative. I called Destiny ( Now XXXX ) that I mailed in my payment on XX/XX/23. I was informed that once they received the payment I will get a one time courtesy removal of the late fee. This is RIDICULOUS!. Destiny Mastercard ( Now XXXX ) Doesn't Accept Debit Cards as Payment & when I Mailed in the Payment before the Due Date I still got charged a {$35.00} Late Fee. I can't keep going through this every month, I mail in payment before due date & Destiny ( Now XXXX ) charges me a {$35.00} late fee then I have to call in & Hope they remove the {$35.00} late fee because they don't accept Debit Cards as Payment not mention Destiny reporting this on my Credit. I am enclosing a copy of the Money Order I sent to Destiny. Thank you. 
XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
As of XX/XX/2023 Experian shows incorrect information regarding account XXXX XXXX XXXX. 

Experian shows the account was paid off on XX/XX/2023. However, Experian also is reporting a late pay for XX/XX/2023. This is not correct information. 

I requested an investigation and was never notified of the results or provided any documentation. In addition, Experian will not let me re-dispute this item. 

Experian 's error is hurting my credit.

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 2023-11-08
Company: Resurgent Capital Services L.P.
State: CA
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:
The debt company, LVNV FUNDING LLC ( owned by Resurgent Capital Services ), has purchased debt that they are claiming to be mine. 

This company must be under the impression that they are reporting accurate information under my name to the credit reporting bureaus. None of ther accounts that they are reporting to the bureaus are verified or true. 

The debt they claim is mine has not been fully verified or validated. I have requested proof of verification and validation of this debt and never received proof of a WET SIGNATURE of mine on a contract between the origin creditor and I to prove that I am liable for this debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

The accounts that are being reported under my name are inaccurate, unverifiable, unvalidated, and it is unlawful for LVNV Funding LLC to report them. 

These accounts listed below must be DELETED from my credit reports as LVNV Funding LLC is in violation of the FDCPA and the FCRA : LVNV FUNDING LLC XXXX {$700.00} XXXX XXXX XXXX  Unverified Account LVNV FUNDING LLC XXXX {$33000.00} XX/XX/ Unverified Account LVNV FUNDING LLC XXXX {$14000.00} XXXX XXXX XXXX  Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} LMMINC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$5500.00} ( Original Creditor XXXX XXXX XXXX Balance XXXX {$80.00} ( Original Creditor : ) 14560827****Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance XXXX {$10000.00} XXXX XXXX Balance : {$1200.00} LMMINC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation