BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: HW Holding, 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 status incorrect

Complaint:
On XX/XX/2019 I initiated contact with a representative from Hunter Warfield to resolve a debt. I made it clear when I spoke to them that I needed to have the account completely removed from my credit if I was going to pay it ( not just showing a balance of " XXXX '' ). The representative stated that it would be and added that it should " fall off '' within 90 days. 

I asked for a letter indicating their intention to remove the account ( not just indicating the account has been " settled '' ) from my credit however they provided me a letter that did not and has not indicated that directly and I do not believe they intend on removing the account from my credit report as agreed upon. 

I called them a second time and requested they send me a letter using the words describing our agreed upon terms in " removing '' the account from my credit however they provided me with the exact same letter they did the first time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter to Experian and XXXX XXXX on XX/XX/XXXX, asking them to investigate errors that appeared on my credit report. To my understanding, they are supposed to respond within 30 days, but they have not.

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 2023-03-22
Company: LEXISNEXIS
State: NY
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'm composing this complaint to LEXISNEXIS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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: Account information incorrect

Complaint:
On XX/XX/2023 I sent the credit bureaus dispute letters regarding inaccurate information on my credit report. As of today, None of them have responded to my disputes and it has been more than 30 days. I still have the inaccurate information on my credit reports. Please see the attached copies of documents sent to the credit bureaus including letters, identification and my identity theft report from the Federal Trade Commission. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX balance says {$8100.00}, the other says XXXX XXXX. 

, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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

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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 ( FCRA ) under 15 USC 1681b ( a ) ( 2 ), my rights have been violated. Under this law, it says " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give TransUnion written instructions or permission to furnish the late payment on my credit report. 
Account : XXXX If the credit reporting agency is not able to show an affidavit with my written permission to furnish this late payment, then I exercise my consumer rights to have this immediately removed from my report according to the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26
Company: CITIBANK, N.A.
State: CA
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 was notified of a inquiry on my XXXX credit report from my credit monitoring company and immediately called to notify it was unauthorized without my consent, after doing so my 3 reports were placed on fraud alert. I was given the number, called in then transferred to a XXXX agent who initiated the investigation and told me to call back after 90 days. I did so XX/XX/2020 only to find that there was nothing done on their behalf by way of investigation or acknowledgement of the erroneous processing of my original dispute request. I was now told that I had to contact the FTC and Police to have the unauthorized inquiry removed from my equifax account, which I'm doing by writing this correspondence. PLEASE HELP ... XXXX  IS HORRIBLE WITH CUSTOMER SERVICE AND SERVICE HOSPITALITY.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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. 

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 has violated y rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the 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 non-monetary relief
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 reviewed my consumer reports and noticed that I had LATE PAYMENTS, CHARGE OFFS, AND REPOSSESSIONS on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed 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... 

( 1 ) 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 investigation ; and XXXX. XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Date Closed XX/XX/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 2023-05-11
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT or REMOVE a portion of the data in my credit document. Also I found out that there are still a few records that are reporting on my file. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records and I want it to correct. XXXX XXXX XXXX Balance Owed : {$800.00} - How can you report this account as Late when my record shows that this account was Paid as Agreed. Please adjust immediately. XXXX XXXX Balance Owed : {$29000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX XXXX Balance Owed : {$12000.00} - Please check the Payment History and Status information on this account and adjust accordingly. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5800.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. XXXX XXXX XXXX Balance Owed : {$820.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 would like to reach out to your agency concerning the inaccuracies and errors I've found on my credit report. There were discrepancies of information across the XXXX credit bureaus ' reports. I'd like them to correct these errors and have it Update to a Current Status.

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 2022-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an undelivered item ( a heater ) purchased for {$87.00} form XXXX which was marked as delivered - " left on the porch. '' We have a special hub for deliveries and I live on the third floor. The item was not delivered to my door or placed inside the hub. I did not receive the item, yet XXXX failed to issue a refund as I called their customer service multiple times. 

I disputed the charges with Capital One, and they assigned temporary credits. Months later the credits were reversed. I called again. Capitol One assigned the credits yet again. The second reversal fell off about a month later. 

I called the third ( could be the fourth ) time, Capitol One representative assured me they will take care of this. Nope, the assigned credits were reversed and they sent me an email stating the claim has been denied as I already submitted a claim for this transaction. Yes, 3-4 times, and you wasted hours of my time by accomplishing nothing. 

They don't have customer 's interests when it comes to disputes. I feel scammed by both XXXX and Capital One. 
Re : Claim # XXXX for account ending in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT or REMOVE a portion of the data in my credit document. Also I found out that there are still a few records that are reporting on my file. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records and I want it to correct. XXXX XXXX XXXX Balance Owed : {$800.00} - How can you report this account as Late when my record shows that this account was Paid as Agreed. Please adjust immediately. XXXX XXXX Balance Owed : {$29000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX XXXX Balance Owed : {$12000.00} - Please check the Payment History and Status information on this account and adjust accordingly. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5800.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. XXXX XXXX XXXXXXXX Balance Owed : {$820.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
OnXX/XX/2019, I opened an account with TD BANK, via the web ( online ), it was approved. In total there were two accounts, one checking and one savings. I requested my debit card, it arrived and when I activated it by phone, they blocked my access to the account. From then until today, I have made thousands of attempts to get the problem resolved, including the solution that they closed my account and sent me a check to my current address and they tell me that they can not do it, that I must personally introduce myself to a branch. I had to leave the XXXX due to a family health problem to XXXX, and since then I have requested the reactivation of the account, even after having gone through all the identification mechanisms with the fraud department, with the customer service department customer. etc and the answer has always been that I must go through a branch. I told them that they could not be so closed because if I had a physical or circumstantial impediment that prevented me from traveling to the XXXX, they can not withhold money from me for as long as they want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: WELLS FARGO & COMPANY
State: WY
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:
Wells Fargo Bank. Fraudulent activity I reported on XX/XX/XXXX, XX/XX/XXXX was a holiday, over 30 transactions made to my checking account related to fraudulent activity on my debit card. All transactions were made over a period of 6 days ( XX/XX/XXXX - XX/XX/XXXX ), including a weekend and federal holiday, all the same company ( I never heard of ) and all for the same amount... .ding , ding , it should of been flagged. A total of XXXX transactions posted, each transaction was for {$38.00}, totaling {$530.00}. They opened a claim for ONE charge and kept adding overdraft fees. I had to keep calling them and complaining, they would remove the overdraft fees, but only open another claim for XXXX of the XXXX transactions. Called again on XX/XX/XXXX and again on XX/XX/XXXX, same complaint, different agent, had to start explaining ALL over again. One agent actually HUNG up on me! 
Basically, they made me wait until ALL the transactions POSTED, so they waited for someone to FINISH stealing my money for a credit to be issued and then said they would expedite a claim, but a credit would still take 7-10 days. Really?!? 
I hate this self righteous company, they are disgusting and should be shut down. I have been a customer since XXXX ( stupid me! ) and my husband since XXXX. We will be closing every account we have with them and tell everyone we know to avoid them like the plague. 
I also live in XXXX, WY, we have a branch that is never open, nobody wants to work there, so I had NO local branch to go to.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 believe that my information is being misused and reported as inaccurate and I am filing this complaint to TRANSUNION. In my credit report from XX/XX/2023, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an 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 2023-05-11
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On XX/XX/2023 communicated with employee, XXXX XXXX, our situation on a recorded line. XXXX XXXX, in exchange for payment a deletion letter can be issued. XXXX stated it would be issued after payment is processed and that it falls off the credit report every XXXX I paid the total amount of {$500.00} in full XX/XX/2023. XXXX assured I would receive the deletion letter. Followed up with XXXX XXXX on XX/XX/2023 regarding the fact that we had not received the deletion letter. XXXX stated he would put in another request. Followed up again XX/XX/2023 and received another story. First woman I spoke to said a deletion letter is not possible and they could give a {$0.00} balance letter. Transferred to XXXX XXXX again, now XXXX states a deletion letter is not possible. Asked to speak to a supervisor, they told us there is no supervisor and they dont take calls. Received {$0.00} balance letter. Today, XX/XX/2023, my mortgage broker and I contacted the company again requesting a supervisor. We were transferred to a voicemail. Due to not receiving the deletion letter, as promised we now have a higher monthly mortgage payment. This is unethical business practices under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
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.

15 U.S.C 1681 section 602 A. States I have the 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 non-monetary relief