BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: Albert Corporation
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I repeatedly had trouble logging in to my Albert account & had to request numerous password changes. Albert locked me out of the account. On XX/XX/2023 I began communicating ( via text ) with Albert Support to get the account unlocked. An account specialist reviewed my account & informed me they suspended my account. When I requested the return of the funds in the account I was told I would need to request a reversal of the direct deposit to access my funds. I did as requested & the direct deposit going into the account was reversed. However, there was a cash balance in the account before the direct deposit occurred & it remains in the Albert account. I repeatedly tried unsuccessfully to talk to a live person & was told that Albert had determined that texts & emails were the best way to meet their customers needs. Albert texted we can not provide any further information or details regarding the funds in your account, and we can not remove the suspension that has been placed on the account. This is unacceptable & illegal to refuse to refund the balance in my account. I have provided Albert with my bank account information so that the balance could immediately be returned to me. They are no longer responding to texts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit karma deceived me by stating pre approval and I was not approve to the card they offered me by stating I was approved and I was declined which reduced my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: LEXISNEXIS
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Reason I am disputing this account is because I have never lived at XXXX XXXX XXXX XXXX. I asked for documents associated with my full social security number and the Bankruptcy documents showing that I am the rightful owner of this account. Without this information LexisNexis in volition of my rights and I am in the process of filing suit. Again my address is XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. I have never resided at XXXX XXXX XXXX XXXX and I have not filed for any bankruptcies. Please remove all inaccurate information. I have sent a copy of my driver 's license and a dispute asking that all of this information be verified correctly. The information that was sent back to me was nothing proving that this information is correct and from a original source.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  Account Number XXXX Balance : {$12000.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXXXXXX Account Number XXXX. 
BAlance {$4300.00} DAte XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX XXXX Accouint Number XXXX Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX  XXXX Account Number XXXX Date XXXX Balance {$7500.00} This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX Account XXXX Balance {$2200.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX  Account XXXX Balance {$2000.00} Date XXXX XXXX XXXX XXXX Account XXXX Balance {$1700.00} Date XXXX XXXX Account Number XXXX Balance {$3500.00} DAte 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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name 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 2019-10-29
Company: Sequium Asset Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt I never had any account with XXXX XXXX. They tried this before under a different name and the dispute was fixed. Now its back with a different collection company. I need this fixed soon once and for all. 
XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00}.

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 2019-10-29
Company: TRANSWORLD SYSTEMS INC
State: AR
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:
ALL 4 CREDIT BUREAUS ARE FALSELY REPORTING ISAC, XXXX XXXX REMOVED DO TO SOL EXPIRED, ON XX/XX/2019 WAS SOLD TO TRANSWORLD SYSTEMS AND OWNS DEBT AND CEASE COLLECTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 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 non-monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: VA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated last XX/XX/2022, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have inquiry That I know nothing about ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-05-31
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
Im 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 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX by the following names XXXX XXXX XXXX XXXX XXXX and account XXXX AR XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-09-20
Company: EQUIFAX, INC.
State: GA
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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX XXXXXXXX Balance : {$710.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: JPMORGAN CHASE & CO.
State: CA
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:
I have a Chase credit card ending in XXXX that had a statement balance due of {$24000.00} for the billing cycle of XX/XX/XXXX - XX/XX/XXXX. 

I paid a total of {$24000.00} ( {$100.00} more ) during this period, the last payment of which was following the online prompts on XX/XX/XXXX specifically to pay the remaining statement balance in its entirety to avoid any finance or interest charges. 

Even so, I was just charged {$150.00} in interest fees for this exact statement cycle in spite of having fulfilled my obligations as a credit borrower, using Chase 's own processes and calculations for remaining statement balances owed to pay my credit card in a timeline manner with 5 days remaining before the payment due dates. 

Chase phone support acknowledged their ability to reverse the charge, but refuses to do so, citing some XXXX about daily interest rates and how there was some kind of leftover balance that still triggered the interest accrual to assess fees. 

When asked to get a transcript of the call, I was told they couldn't do that. When asked to get an email summary of their decision and reasons, I was told no. They were completely unhelpful and not at all interested in taking responsibility for their error, instead attempting to bamboozle me into accepting their " logic '' for why paying a statement balance in full should still generate interest charges. I've had credit cards for decades. I know how their statement balances work, and this is outright theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All Requested documentations to verify alleged debt were not delivered and they refuse to comply by not delivering all requested documentations it has been sixty days under the law they must delete thirty after not complying with my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this ( XXXX XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this This is causing me financial hardships Ive tried to get these removed from my report I dont know why I cant

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: GA
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 called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT 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

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 2023-04-07
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I opened a correspondence with Capital One Visa. I had a yearly user charge with apparent arrears and a charge on XX/XX/XXXX to a people search vendor. The card number was expired on XX/XX/XXXX. It was never activated with new card and card was never used. I was on the phone for 40minutes with 2 different people who could not figure out anything other than putting me on hold. 1. The charge of XXXX was fraud ... 2. How is charging yearly fee on a non activated card legal.. The call on XXXX started at XXXX went till past XXXXXXXX. I was on hold longer than actually having someone help ... Language barrier will also be an issue here ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 would like the following unauthorized hard inquiries deleted from my credit report : 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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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