BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020

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 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
on XX/XX/2023 i mr XXXX XXXX asked captiol one about my bill and sent payment in XXXX-2023 for card endind in XXXX and capitol one said XX/XX/2023 that everything is correct well how could that be when i have my proof of payment right hereand im the admistitor of this accout

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: DISCOVER BANK
State: IN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase that I immediately felt was fraudulent and cancelled right on the spot. I didn't sign anything nor received a receipt and was told by the merchant, the charge didn't go through. I went to immediately cancel on my credit card but it indicated charges pending and that a dispute wouldn't be permitted until charges went through. 

Charge is fraudulent. Vendor refuses to cooperate. Credit card finds in favor of vendor with no proof of valid services, document of swipe is the only evidence. Why did credit card not alert me to XXXX suspicious charges in XXXX and require my verification before pushing it through? It's done so on lesser suspicious charges. I feel this is a failure of the credit card to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX outsources their services to PHH. In 2017 they paid property taxes after I paid them. Then they billed me {$1000.00} more per month for the delta. I could not and would not pay as it was not my fault. Thanks to the CFPB, PHH resolved the issue after 5 months and countless calls for hours. Case number XXXX My problem now is that PHH is charging my late fees in excess of {$200.00} for something that was delayed due to something that was their fault. I did make my normal payment. They refused to recognize payment and billed late fees. Furthermore, they have tarnished my credit bureau score at the same time. I have left countless messages for XXXX XXXX XXXX My last attempt to do this without CFPB XXXX XXXX agent id XXXX would send the request to remove the late fees to his manager. All future correspondence will be done by USPS mail. As PHH has not once done anything promised, I am forced to submit this plea for help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Fig Tech Inc.
State: OH
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:
During the course of this loan, communications from the company were being supplied via two different emails causing important notifications to be sent into my junk/spam folder and missed. 

The dates of my repayments were modified and set without my review or approval. 

In my attempt to pay a day before my payment was due, it would not allow me to as it was already processing. Another time it said I was passed due. Making it difficult to actually make payments. 

But the real and what I consider the biggest issue, is that when I was unable to make my payment because their system wouldnt allow me to ( and it would have been paid a day early ) ; it was after that they issued an email stating WE LEGALLY CAN NOT PULL THIS PAYMENT FROM THE ACCOUNT ON FILE. ( We can pull future payments. ) needing my authorization to withdraw the funds! An authorization I NEVER gave!! However, 2 days after that email they took the money out. When it was brought to their attention I was told they considered it a future payment, unfortunately it was not a future payment, it was their attempt to recover the previous payment I was unable to make due to their system. 

They violated their contract with me and have now destroyed my credit covering up their illegalities!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I spoke with a representative of this company and I was promised that the late payments would be removed from my credit reports if I paid the balance on time and got in good standing. I have paid off the balance and my account has remained in good standing for years but this company never honored their promise to remove the late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information is missing that should be on the report

Complaint:
Good Day, I have a XXXX XXXX XXXX. According to the credit bureaus, there has been a XXXX XXXX decrease of XXXX points in XXXX due to me exceeding the credit limit of {$50.00}. After reviewing my credit reports, I realized that the {$50.00} balance from XXXX is reporting instead of the balance for XXXX. According to XXXX 's terms, I'm required to add money to the account to set the spending for the month. The spent amount is locked as the secured funds in the XXXX account, which then can be used to repay the statement balance automatically with XXXX at the end of the month. I have not been provided with a statement for XXXX, but I do have screenshots of the transactions from the account. I deposited almost {$1000.00} into the account in XXXX. I've had the account for more than 6 months and I have only been provided XXXX statements excluding the statement for XXXX. Also, XXXX does not have live agents for emergencies. Customers are required to chat with a live agent. This is an inconvenience when credit card companies have to contact a representative to verify transactions.

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 2018-05-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I applied for a housing loan and they reported to me that i have a collection letter that i have not paid and causing problem with my application. The lender gave me the number of the XXXX XXXX XXXX XXXX and i called them. They person i was talking to could not give me the details of the debt that i supposedly owe them. I looked into XXXX credit score check and found that on XX/XX/2017 I owed {$290.00} and that XXXX XXXX is the collection agency. I called up XXXX and talked to many departments and said that i do not have any bank accounts with XXXX. So how is it possible that I would owe an amount of {$290.00} from XXXX if i didnt have any accounts in the first place? I disputed it with midland funding but was not sure if they are going to take action on it and its affecting my credit score every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX, went to purchase material from XXXX XXXX and presented my Chase Debit Card XXXX and payment was rejected. To this day no one has explained any reason for this. In my account on that day was an existing balance of {$8000.00} and a customer paid me for my general contracting services from their Chase account via a wire. This is a very long time customer who has paid me many times via wire for my bills from the same CHASE account into my CHASE account. When I have gone to the bank, they refuse to explain anything, give me a corporate number to call and they explain nothing at first and on XX/XX/XXXX when I returned to see about my money, I was told they were closing my account and mailing me a check with a letter explaining why this had happened. Today, I went back to tell them no check received in eleven days and spoke to a manager. I was told after they made a call, no check was sent so I am sitting with no funds still. Chase knows the customer I received the funds from for a long time, I have received payment multiple times to this Chase account from the same account so what is the problem. Why will no one explain what is going on? Why do I have no access to any funds if this wire is the source of their concern? I have employees to pay and am going to lose them due to this bank freezing all my money. Can you help me asap please. I am wondering if they are doing this due to the fact I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX DE 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 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 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 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 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 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 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 XXXXXX/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 2022-06-20
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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2022-12-28
Company: EQUIFAX, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove the following accounts right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
XX/XX/22 dispute case XXXX over charged theft XXXX. Owner said refund for emergency leave from XXXX XXXX Amount of XXXX was never paid customer service did not want to take alter information for dispute case, alter information for investigation po box XXXX XXXX XXXX MO XXXX XXXX XXXX emergency number for dispute case also @ XXXX withdrawal XXXX. Never show on XXXX XXXX XXXX, XXXX had to use my bank statement to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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, the item listed below has violated my rights. 

INQUIRIES : -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 XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt., XXXX XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX 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 an account without my written instructions.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} 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 2019-01-28
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX/XXXX  not my account deceased fathers account with same name

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 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
After checking an updated copy of my credit report, I have found an account that I do not recognize. I understand that before any account or information can be furnished to the credit bureaus ; all information and all accounts must be 100 % accurate, verifiable and properly validated. I am not disputing the existence of this dept, but I am denying that I am the responsible debtor. On XX/XX/XXXX i sent a letter to Capital One requesting for Validation of the account I did not recognize. I also requested physical documents with my signature or any legally binding instruments that can prove my connection to this erroneous entrie. On XX/XX/XXXX I received a letter from Capital One stating that they do not have my paper copy to send me because the account was created from phone or internet. On XX/XX/XXXX I sent a second letter to Capital One requesting Validation of said account I have submitted enough information for them to do a reasonable investigation. On XX/XX/XXXX I received a second letter from Capital One they then verified the account was created in XXXX. They then placed a disagreement code with a resolution to dispute. They failed to validate the account, also failed to prove to me i am the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello There are fraudulent accounts on all XXXX of my credit reports and some items were deleted and some were not. I went to my local police station and explained to the officers that my identity has been compromised and as a results I have several accounts that are being reported that aren't mine. I have disputed again and again with the bureaus and all they keep doing is " updating '' the accounts. I do not believe I have been given a fair investigation from them. 

I need a fair investigation into the accounts I have mentioned in my letters which I will attach to this complaint along with the FTC report and police report. 

I hope something can be done before I am forced to retain a lawyer. 

Thank you 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 2019-01-28
Company: ORG GC GP Buyer, LLC
State: KY
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:
Gc Services garnished my whole payroll check! my first check since XXXX. I received no notice, no warning it was just taken. the account was not in status for garnish. They were only allowed to take 15 per cent from payroll stated from one of their customer service rep. also Legal aid stated that also to me. It was a paper check, no bank involved, therefore they did no bank levy. It was intercepted from IRS. I Would like my funds reimbursted. Date taken XX/XX/XXXX. Amount of check XXXX. I RECEIVED NO DOCUMENTATION FROM THEM before or after. I called GC services company and made payment arrangements, so this wont happen again. I called KY State treasurer,  IRS, Department of Education, XXXX, XXXX XXXX, GC services about this issue and no one would or could assist me.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card and got denied, I have the right to credit. Withholding my access to my securities is securities fraud, they have violated not just the Equal Credit Opportunity Act, they have also violated the Consumer Credit Protection Act, since they denying me access to my credit, I ask that they please retract my application 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 explanation