BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX  XXXX XXXX XXXX / {$2000.00} / XX/XX/2022

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 2023-07-25
Company: EQUIFAX, INC.
State: IN
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 did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}, XXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$8800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
In XXXX of XXXX, I applied for a Capital One credit card. Capital One required me to send a {$200.00} security deposit to open a secured credit card account with them. My credit limit was equal to the security deposit - {$200.00}. In XXXX of XXXX, I requested from Capital One a credit limit increase. They denied it. They said they do not increase credit limits for secured credit cards like mine which are correlated with a security deposit. In late XXXX of XXXX, Capital One increased my credit limit to {$500.00}. Thoroughly confused, I asked Capital One for my {$200.00} security deposit back and they refused. I have written them twice. I have reviewed Capital One 's credit card terms and customer agreements and nowhere in any legal documentation can a customer have a combined credit card which is secured and unsecured. They should have sent me another card with a {$300.00} limit or sent me my {$200.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions 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:
To Whom it may concern, I disputed the validity of an account that was being incorrectly reported on my credit profile specifically from Experian. It was no surprise that the other 2 credit bureaus, XXXX and XXXX, deleted the account due to their inability to properly verify it. 

If the creditor reports all the same information to all 3 major bureaus and the other bureaus were unable to substantiate the validity of the details on my credit report, then Experian should be able to provide me with the information that was used to verify the account. The information obviously doesnt exist, and Im sure Experian used e-Oscar to verify the account and update the info, but that is what the bureaus got in trouble for in the cases for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX 

Also, please see attached the proof that the tradeline accounts from XXXX. XXXX, XXXX have been disputed with Experian and they were never deleted or removed. 

Please help me get Experian to rightfully remove/delete these accounts from my credit profile. Thank you! 

Best, XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX ( Medical Payment Data ) Account Number : XXXX Amount : {$620.00} Account Name : XXXXXXXX XXXX XXXX ( Medical Payment Data ) Account Number : XXXX Amount : {$440.00}

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 2020-03-31
Company: Experian Information Solutions Inc.
State: AR
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:
Decided to make a big move to buy my first home. I knew I wanted to go into the first time homeowners program. Due to them being able to help you financially as I was sitting with my mentor he said my credit needed to be pulled. I knew I had good credit so I had no worries about that being the first step. Out of surprise a big list of accounts I have never ever seen or heard of in my life showed up. Those accounts do not belong to me. Please remove those things for my credit report. 

XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX {$6200.00}

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 explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
For more than a year I have been administratively demanding TRANSUNION remove XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX SERVICES from the consumer file. Both of these alleged accounts are a result of identity theft and TRANSUNION is committing identity theft for reporting them without my permission. They have been causing me grave harm and has injured me tremendously. I applied for a mortgage today and was denied due to there unfair and inaccurate reporting. They have refused to send me documentary evidence that these accounts belong to the principal XXXX XXXX. They have not conducted a fair and equitable investigation and spoken to any natural person concerning these accounts. They continue to send computer generated mail stating the accounts have been verified by the creditor which is impossible. I have lost all faith in the consumer bureau and the credit reporting agency as well as the banking system. My health has suffered and I continue to be harmed every day these fraudulent accounts remain on my file and suppress my scores intentionally. I give TRANSUNION SEVEN BUSINESS DAYS TO CORRECT THIS ERROR before further legal action is taken. This is one of numerous complaints I have filed with the CFPB without any fair or equitable resolution.

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Decided to make a big move to buy my first home. I knew I wanted to go into the first time homeowners program. Due to them being able to help you financially as I was sitting with my mentor he said my credit needed to be pulled. I knew I had good credit so I had no worries about that being the first step. Out of surprise a big list of accounts I have never ever seen or heard of in my life showed up. Those accounts do not belong to me. Please remove those things for my credit report. 

XXXX XXXX  XXXX XXXX {$4200.00} XXXX XXXX {$6200.00}

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 explanation
Consumer complaint received 2023-07-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a new bank account with Citizens Bank on XX/XX/23. Citizens initiated a transfer of all my funds using my routing and account number from the bank I was leaving. ( I did not initiate this transfer whatsoever, I was just there watching. ) The total amount was {$6400.00} ( {$200.00} to savings, {$6200.00} to checking ) I was told this transfer would take maximum XXXX days. After 3 days, I called the bank and complained that I hadn't received the funds yet. They told me XXXX XXXX XXXX was holding it. After calling XXXX & XXXX, they said they released all the funds and they no longer have them. 

XXXX weeks later, both banks are having me call the other one for me to figure this problem out myself. I have been previously working with the Citizens branch XXXX, but have not been able to get anyone on the phone for a few days. Nobody seems to know where my money is or how I can get it back. There was a few times they thought they had found the problem. First, Citizens said their fraud department was holding onto it. However, upon calling them myself, they said they had no record of this. Then, the branch XXXX at Citizens said the money had bounced back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has no record of incoming transfers. 
It has been over XXXX weeks since Citizens has had all of my funds, and I have been unable to pay bills or rent without the help of friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CERTAINTY HOME LOANS LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was checking my credit when it showed I have missed two payments when I have never had a loan with this company. I do not know anything about this.

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 2021-03-01
Company: EQUIFAX, INC.
State: SC
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 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. BANK OF AMERICA XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-03-01
Company: Gurstel Law Firm, P.C.
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 information incorrect

Complaint:
On XX/XX/XXXX I applied for a mortgage preapproval. 
On XX/XX/XXXX I heard back from the lender that I had a collections account with XXXX XXXX XXXX in excess of {$11000.00}. 
This was the result of a Lease ( New ) I obtained in XXXX, that I later had to voluntarily surrender due to job loss. 
I contacted XXXX XXXX XXXX and spoke with XXXX regarding making a payment, setting up a payment plan, or some other arrangement so that I could obtain a mortgage after having this removed from my credit report or reporting at {$0.00}. 
XXXX informed me he had to email the attorneys and find out if they can take a payment or set up a plan. 
After a weeks time, I called again after not hearing back. XXXX sent a 2nd request to the attorneys. I then asked for the attorneys information so i could contact them directly. 
After several tries, I was able to connect with XXXX XXXX at Gerstel Law Firm who informed me they were sending my file back to XXXX XXXX XXXX so they could work with me directly. I then contacted XXXX who informed me is was no longer able to discuss this with me, so I asked for his supervisor/manager, which then put me in touch with XXXX XXXX At XXXX XXXX XXXX. XXXX informed me he escalated my request and should hear back in a few days. I think left XXXX a message a week later, where he informed me my file was being returned to the attorney. Since then I have called and left messages with XXXX XXXX at Gerstel Law Firm Daily, asking for her to call me so we can set something up to clear this collection from my credit report. I have not heard back once after 8 plus messages over the past week and a half. 
My credit report was inaccurately updated with the collection initially having a Closed in XXXX Status to now having a Closed in XX/XX/XXXX status. 

I have gone out of my way to work with both XXXX XXXX XXXX and their Attorneys at Gerstel Law Firm to either settle this debt for a percentage of what was owed, make monthly payments, or pay it in full if that is what they require and have not had one person give me a solid answer or even be willing to work with me toward a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting Act, Portfolio Recovery Ass has violated my consumer rights. 
15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish an account without my written consent. And i have no contract with this debt collector so how did they get my consent?

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 
15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
I have never given prior consent or have any contractual agreements with any of these creditors agreeing to buy, sell or report misleading representations of myself, the consumer. Please ensure this creditor and credit reporting agencies correct any and all errors relating to payment history, late payments, for I have never consented to any such terms of agreement. Provide Geo-Location for debt purchase, copy of original contract bearing signature and proof i agreed to deal with any third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/ I was called by what turned out to be a scammer. My caller ID displayed Chase and their local branch telephone number. The called stated he was the Chase Fraud department and asked if I made a transaction which I did not. He said my debit card was being canceled and I would receive a new one in 7 to 10 days. I asked what I would use in the meantime ( which was foolish ) and he said he could enable an XXXXXXXX XXXX account, just type in 6 digits to a text which I did. The call then dropped off and I became suspicious. I checked my online account with Chase and saw several smaller transactions totaling XXXX dollars deducted from my account. I contacted Chase Fraud reported the loss and they said they would investigate. Several days later I was informed they were denying my claim because I supplied the scammer with information. They said I could reopen the claim if I could supply documentation proving my whereabouts at the time of the fraudulent transactions. I was at home talking with the scammer at the time! The transactions occurred at Chase 's local ATM over 15 minutes. Someone sat at the ATM and withdrew the funds during banking hours under I assume a security camera and with tellers in view of the ATM. Chase will not investigate that. I filed a police report and they said they hope I will be refunded, which I was not. My cell provider can't identify my whereabouts and I have no further options. I have closed my accounts at Chase and after 15 years I will no longer do business with them. I am mortified I fell for the scam but feel Chase does nothing to protect their digital banking. They have a disclaimer stating they will never call clients and that is the reason they are denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: MARINER FINANCE, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I found out my wife 's company is going to layoff workers. My wife is the most recent employee to join the company. 
I asked my loan institution ( Mariner Financial ) for deferment of term loan. 
They denied my my request.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Fraudulent Account Name : XXXX XXXX  Account Number : XXXX Reason : Fraudulent Has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: IL
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON CREDIT BUT TO MY SURPRISE NONE OF THE ACCOUNTS BELONGED TO ME. I HAVE NEVER OPENED THOSE ACCOUNTS AND I HAVE NO IDEA HOW THEY GOT ON MY CREDIT. BECAUSE OF THESE ACCOUNTS MY CREDIT IS NOT WHERE I HAVE WORKED SO HARD FOR IT TO BE. I DO NOT WANT TO BELIEVE THE FACT THAT MY IDENTITY HAVE BEEN STOLEN BUT IT IS VERY OBVIOUS THAT THIS IS THE CASE. I HAVE ALWAYS TRIED MY BEST TO MAINTAIN GOOD CREDIT STANDARDS. IT IS VERY UNFORTUNATE THAT I HAVE TO GO THROUGH THIS SO MY REQUEST IS THAT YOU RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

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