BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent a letter on XXXX XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included the following items in my previous Complaint and I am including these again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My name is XXXX XXXX XXXX am filing this complaint to speak to someone at Capital One in the Executive Officer level of doe to my Capital One account being close due to misrepresentation, misinformation. I  was contacted by several different Representatives that gave me conflicting information towards the status and require/request information. I was call on or around XX/XX/XXXX or XXXX by a fraud rep I was told that I needed to send in a copy of my Authorized Users ID and SS cards on my account. I told the reps that it was not fraud and not a issue. I was under the impression I only needed to send in the current Authorized Users on my account. A few days later another rep told me I needed to upload proof of addresses for the Authorized Users. Then another time I needed to send in front and back of IDs for users that have been on my account from a few years ago than 25th I was told that I was Permanently Restricted from both my accounts. I wasnt told why or what else I needed to do. I was dial transferred to rep after rep and never give enough time or proper information to provide the needed documents to release my account. I was very confused as to what was needed and I sent in the wrong information do to human error on the two separate account the account in question was not the right account that I sent in the Authorized Users ID and SS for. I was give 18 names to provide information for on my XXXX XXXX XXXX XXXX this account is what names I was give. I have another account that is XXXX XXXX XXXX XXXX this was the account that was in question and what I uploaded was Authorized Users that were not on this account there was a ton of misinformation and my account never was resolved and I was not allowed to remedy the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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 have the right under 15 USC 1681.

Equifax is govern by USC 1681. And they violated my rights numerous times. I demand the accounts listed below to 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! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Reporting an inquiry I did not give permission or my information to this company XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My problem with American Express is that they gave me a {$22000.00} loan WITHOUT ME APPLYING FOR IT, and their Fraud department keeps concluding that I did it because it is indeed my checking account that the money was deposited into. I DID NOT APPLY FOR THIS LOAN but American Express IS NOT INVESTIGATING HOW OR WHY THIS HAPPENED. Further, they are calling me daily for repayment, assessing interest, and have cancelled my regular Amex credit card. I fear this will go to a collection agency and ruin my outstanding credit. This all started in XX/XX/XXXX. I can not get resolution. 
XX/XX/XXXX, I received a letter from AMEX stating " there was an attempt to open XXXX or more deposit accounts in your name at AMEX National Bank, and we believe it was without your authorization. '' I called ( XXXX ) XXXX to inform that I did not apply for any account. XXXX, I received a letter from Amex stating, " we need to speak with you regarding a security concern on your account '' XXXX Personal Loans. XX/XX/XXXX invoice date, first bill arrives for a {$22000.00} loan that I had not applied for! XXXX Account ending in XXXX. The invoice details " AMEX Loan DISBURSEMENT XX/XX/XXXX of {$22000.00}. '' I called AMEX, spoke to " XXXX '', who confirmed my identity, said he would look into cancelling my loan account and opening a fraud inquiry. He changed my account password and security pin. He said the investigation could take up to 45 days. XXXX XXXX, I received a letter from AMEX Fraud Operations stating that my inquiry is currently under investigation by the US Fraud Department. Then, XXXX XXXX, I received a letter from AMEX Fraud Operations stating " we've reviewed your dispute and are unable to accept your claim as your name is listed on the bank account in which the loan funds were deposited '', dispute reference number XXXX. I am shocked and furious ; we all knew that it was my checking account, but HOW DID THE MONEY GET INTO MY ACCOUNT?!!!! For months now, I have called AMEX explaining that this is fraud, that I didn't take out this loan. I have spoke to XXXX, XXXX, XXXX, and Fraud supervisor XXXX in XXXX. XXXX ( XXXX ) XXXX, XXXX ) finally cancelled my autopay and XXXX refunded me for XXXX ( case # XXXX ) and for XXXX ( case # XXXX ). But since then I keep getting billed, getting called to collect payment, and have had my AMEX credit card cancelled. Now, I'm being threatened with collections agency! I've called, spoken to XXXX, XXXX, XXXX, XXXX, XXXX... all promising to look into my case # XXXX. Still no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: General Motors Financial Company, Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received notification from XXXX XXXX that my score dropped because I had a late payment to GM Financial. 
I never received my final bill with information on how/where to PAY my bill. 
I called GM Financial XX/XX/XXXX and told them I never received a bill. They said they generated one on XX/XX/XXXXI said, Well no wonder I didnt get itit must have gotten lost in the XXXX mail mess. They said they called me and left messages multiple times, and I told them I NEVER received a phone call. I spoke to a supervisor, who gave me a phone number I didnt recognizelikely an old work phone number. I asked if they had my cell phone numberthey didand I asked why they didnt try to call me there, since I NEVER received a phone call to my personal cell phone, nor any bills. They had no answer to that question except that the phones auto dial. ( Apparently their auto dial system is substandard because it does not dial all phone numbers of record. ) I paid my bill over the phone right that moment, in full, and even {$20.00} in XXXX XXXX fees. I asked them to remove the late payment reporting on my credit report and they said no, they wouldnt, because they had not made an error. I said that they had made no attempts to reach me, and I have a pristine record, they could see Ive paid everything on time, and obviously I had just paid them as soon as I figured out how to reach them. They said no. It was only 34 days late, today, when I paid. They said they report everyone when they are 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. 
( 4 ) The creditor 's inability to truthfully depict an obligation payments or credit that gas given to the debtor on a statement. 
( 5 ) A computation error or other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # 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 2023-08-21
Company: EQUIFAX, INC.
State: AL
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
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: Reporting company used your report improperly

Complaint:
I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with Transunion through arbitration.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
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 non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 2020-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
OnXX/XX/XXXX my mother went to the Bank of America with my sister whom has ill intentions for my XXXX year old mother. Bank of America in XXXX XXXX, CT told her and my sister that I had gained access to her account through a false power of attorney and this complaint builds on my last complaint of harassment at this branch. The fact is that my initial POA was poorly created, because I witnessed it, and did not know I could not be a witness on my own attorney of fact document. Then I went back to another branch ( XXXX, CT. ) after being racially profiled at the XXXX XXXX , CT. branch as a follower of XXXX, and gave them the new POA with the proper witnessed signatures. Not only did BOFA accept the POA, but they gave me a notarized stamp of approval on the actual screen print showing I am currently the POA. Now, this branch has already harassed me, and there was little I could do because the evidence was all he said she said --. But. The Truth is my mother, whom I live with and take care of, now thinks that I stole from her -- because Bank of America in XXXX XXXX said I did. It has damaged my relationship with her immeasurably, even though she consented to the POA in the first place, and this has also caused me emotional injury. I want the name of the person whom told my mother ( even though my POA -- which was already on file as of last month through the XXXX, CT. branch ) that I stole from her --. I am suing for emotional injury and if you think I am bluffing -- know that my XX/XX/XXXXwas created by XXXX XXXX XX/XX/XXXX. And also please know that the XXXX XXXX branch gave my mother a copy of the durable power of attorney that was initially incorrectly signed -- not the one they have on file that was given to the XXXX, CT. branch. Please see attached. I want terminations and I want names. I am suing for emotional injury.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$94.00} XX/XX/XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Dispute the information with XXXX XXXX XXXX XXXX XXXX and with the credit report agencies.

The fee charges in the loan are not correct. They are charging me in past due {$2200.00} dollars additional to the principal balance of {$2400.00} of the student loan. I studied in the XXXX XXXX XXXX XXXX XXXX XXXX during XX/XX/XXXX to XX/XX/XXXXwhen I apply and received the student loan, and then I was transferred to the XXXX XXXX XXXX XXXX  at XXXX XXXX and keep studying uninterrupted during the next years when I graduated in XX/XX/XXXX. Also, I have another consolidated student loan which I am still in a repayment plan, and paying as agreed in good standing.

XXXX are charging me the unexplained amount of {$2200.00} in past due amount loan. I never received letters from the XXXX XXXX XXXX XXXX or any of the campus that I studied, or any collection company regarding the student loan debt. The letters that XXXX sent was to a postal address in a XXXX XXXX from XXXX XXXX in which I no longer receive postal correspondence because I do not live in XXXX XXXX. Currently, I am living in the state of XXXX about two years ago, and lived previous years at different locations so I did not knew about the letters, but after the payment due date of the loan in XX/XX/XXXX, a relative who received the XXXX  letter addressed to my name in XXXX XXXX could not forwarded me the letter to XXXX, because XXXX XXXX for that date was flogged by a hurricane and natural disaster so there was no communication of any kind.

Recently I spoke with a XXXX  Customer Service Representative after i submitted a dispute with the Consumer Financial Protection Bureau in XX/XX/XXXX because they sent inaccurate information to the credit reports agencies, and I request to that person more information related to the past due charges of my student loan. The Customer Service representative let me know that they would send me a letter with the detailed information of the current and past due charges of my student loan. I am still waiting the requested information and details of the student loan, and why I have to pay past due charges if I never heard, or received notice calls or letters, with such information related to my student loan.

Principal Balance : {$2400.00} Past Due : {$2200.00} Total : {$4600.00} I tried to solve this matter with XXXX and didn't received any information from them, I created and updated my contact information in my profile account of XXXX  because they had inaccurate information in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
my identity was stolen someone has received medical care, insurance, housing, loans, etc, in my name. i recently found these findings when starting to monitor 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