BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX, XXXX Original creditor : XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX Account # 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 count with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Capital One 360 bank allowed for transactions to be approved by unauthorized users. I was at my home in XXXX during the times that charges were made to my account in XXXX and so far I have found two names that do not have authorization to use my card. One was " XXXX XXXX '' and the other was " XXXX ''. The first one made a reservation at a casino/hotel and when i called them they sent me an email appologizing saying that it was indeed a fraudulent charge. There were other charges approved for a Helicopter tour to the tune of {$1200.00}. Along with that the rest of the charges were for dinners, XXXXXXXX XXXX XXXX XXXX XXXX 

When I call CapitalOne to dispute the charges they told me it would be 10 days for them to investigate. When that ten days were up they denied my claims of fraud saying that it was in line with my spending habits. I do not use other people 's names when I charge my credit card. Also, i have provided them proof of my whereabouts during the times of the transactions. I actually have a charge on my account that happened at the same time whoever stole my card number was in an XXXX in XXXX. They have been absolutely rude and obnoxious to the point that when I said I will be leaving the bank the Customer Service supervisor said, " Whatever '' I am currently tracking down and reporting these fraudulent charges to the vendors that were on the transaction list. I still have not received any money back from the bank that let someone, who was NOT me use my card fraudulently. Please feel free to contact me for more information as it is a lot to type up. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX Account number XXXX {$14000.00} Still On My Credit Report And TransUnion Claiming That The Account Is Verified But They Never Showed Me Proof Of Verification Because This Fraudulent InformationDo n't Belong To Me Iam Very Disappointed With The Way TransUnion Has Been Handling My Report I demand to see Verifiable Proof As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that TransUnion remove them immediately : Account Name : XXXX XXXX XXXX Account number XXXX {$14000.00} Reason : Account is fraudulent Please respond to me with an updated copy of my credit report once these accounts have been removed. 


Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my frustration and disappointment regarding the numerous attempts and disputes I have made to remove a charge-off from my credit report. Despite multiple efforts to address this matter, the inaccurate entry persists, adversely affecting my creditworthiness and financial standing. 

I have diligently followed the dispute process by submitting multiple requests for correction through your online dispute resolution system. Additionally, I have provided supporting documentation, including proof of resolution or any agreements made with the creditor. 

Despite these persistent efforts, the charge-off remains on my credit report, causing potential harm to my credit score and overall financial health. 

I am formally requesting a thorough investigation into the charge-off mentioned above and the immediate removal of this inaccurate entry from my credit report. It is crucial that my credit report accurately reflects my financial history. 

Enclosed with this letter are copies of the supporting documents previously submitted, including proof of resolution and any correspondence with the creditor. I trust that this information will assist in the swift resolution of this matter. 

I kindly request a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and an updated version of my credit report reflecting the accurate account information. I am asking for your assistance to remove charge of account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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. Code 1681a- Definitions ; rules of construction- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
ACCOUNTS : 1. Creditor : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS FURNISHING 30 DAY LATE PAYMENT XX/XX/XXXX, AND XX/XX/XXXX ] Instruction : [ Please Verify and update this account payment history to current ]. 
ACCOUNTS : 1. Creditor : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS FURNISHING 30 DAY LATE PAYMENT ON XX/XX/XXXX ] Instruction : [ PLEASE VERIFY AND UPDATE THIS ACCOUNT PAYMENT HISTORY TO CURRENT ]. 
ACCOUNTS : 1. Creditor : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS SHOWING 30 DAY LATE PAYMENT ON XX/XX/XXXX ] Instruction : [ PLEASE VERIFY AND UPDATE THIS ACCOUNT PAYMENT HISTORY TO CURRENT ]. 
Furthermore, I am requesting that you provide me with, in writing. the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character. Please Assist thank you.

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 2024-01-04
Company: MoneyLion Inc.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/24, several charges originating in XXXX were attempted on my debit card. I had less than {$5.00} in my account, so most were denied, but the fraudsters kept trying smaller and smaller amounts and got chargers for {$0.00} ( XXXX ) and {$1.00} ( XXXX ) to go through. I contacted the bank to let them know these were fraudulent at XXXX XXXX  on XX/XX/24 and they said they would have to wait for the charges to settle before they could be disputed, but they would send me a new card. 

On XX/XX/24 ( overnight ) more fraudulent charges from XXXX hit my account, but this time there were funds available. Charges for {$0.00}, {$12.00}, {$420.00}, {$12.00}, and {$3.00} hit my account. 

I contacted the bank when I woke up ( approximately XXXX XXXX  ) and they were unhelpful, didn't take any ownership of the fact that a XXXX round of fraud was allowed, and told me it would take up to 90 days for me to get my money back. They kept quoting scripted responses and would not let me talk to a supervisor. Then, around XXXX XXXX, I called and spoke to someone who argued with me on whether or not other banks give provisional credits in this situation ( which I know they do ), wouldn't let me talk to a supervisor, and ( the best part ) told me my card STILL WASN'T CANCELLED. So if there was still money in my account ( I had transferred it all out when I saw the XXXX wave of fraud ) the fraudsters would have been able to continue making charges, even though I had already contacted my bank XXXX! The bank had also charged me {$25.00} for expedited shipping of a new card on XXXX, so I was of course under the impression that the card had been cancelled at that point. They have since refunded the {$25.00}, but I had to fight for that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12
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 did not answer the phone and so I called back the caller, I waited to hear what they had to say and then told them that I do not believe that I owe any thing to the company due to only having funds in one financial institute for many years. Just recently I had received some funds through the institute which this collection company states I owe from, the funds were from my father which made me a private client at XXXX, and I believe if I owed any thing they would have brought it up over the last almost 2 yrs. In order to be a private client you must have excellent standings within the financial institute. So for me to receive such a call and in a language that was not in English, I asked for documentation. I received the documentation but it is not accurate nor familiar at all to me. It doesn't really say anything except some fraudulent payments and judgment info that is not even on my credit report. I do not want them to think they have the right to try and put some collection on me that's not mine. Also they have done this in the past and finally said okay its not your debt and stopped sending and calling me about it. That was about a year and a half ago and now its something else. They used a court house in XXXX XXXX to use as a back up for them and its a clerk that is doing this there. I will attach a copy when I am able while sending this to you. The Midland Collection
Company has a real bad reputation for fraudulent reporting as well as their collection methods... quite honestly I'm tired of them always trying to prey on those they do not think will fight back. I am prepared to go all the way. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to convey my deep distress and growing frustration regarding the persistent denial of my identity theft claim by your bureau, despite diligently following the steps and procedures you have instructed. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Identity theft is a crime that wreaks havoc on the lives of its victims. It not only jeopardizes financial security but also causes immense emotional distress. To have my identity theft claims repeatedly denied, despite my compliance with your requirements, adds an extra layer of anguish to an already difficult situation. I want to remind your bureau that the processes you have established are meant to protect consumers like me from the devastating consequences of identity theft. Continuously refusing to acknowledge my claim contradicts the very purpose of these processes. 
I implore your bureau to recognize the urgency of this matter and the severe emotional distress it has caused. I have followed your instructions diligently and have submitted all necessary documentation. I have a right to a thorough and fair investigation of my identity theft claim.

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 2023-12-12
Company: EQUIFAX, INC.
State: PA
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:
THEY REPORTED THIS ACCOUNT ON MY CREDIT REPORT NAME : XXXX XXXX XXXX XXXX XXXX THAT ACCOUNT IS NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I mailed certified letters to the credit bureaus on XX/XX/year> containing a complaint about the accounts on my credit report along with a copy of my state ID, SSI card and a utility bill. I received a letter from the credit bureaus asking that I provide a copy of my ID, proof of address, and SSI to prove my identity and other said the information was factual.

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 2023-12-12
Company: EQUIFAX, INC.
State: IN
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit 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 filed a dispute with Truist Credit card back in XXXX ( the only dispute on the account and only dispute I ever had with them. ) after 2 weeks of filing the dispute I contacted truist for an Update every week for 5 weeks straight. ( until 7 weeks after filing the dispute ) each time they have advised me that they have no updates and no further information to provide me and I have to patiently wait till I receive mail. 

after 6 weeks of the dispute I was calling them and emailing them begging them to know what is going on but nobody that cared and that can provide me any word on it. meanwhile, I do not have access to my money and never received a credit. 

This dispute is very straightforward and no delays needed on it. I sent to truist bank direct proof from the actual person that I paid to showing that he himself is admitting that he scammed me and that he didn't provide me with the service that I paid him for. 

I never received any work or services he was supposed to provide me and he himself is admitting to it and agreeing to it. 

I provided them with all this clear proof and a full detailed message showing them my conversations with the person. 

at the same time that I opened this claim with Truist I also opened one with XXXX XXXX XXXX since there was 2 charges on that credit card also tot he same individual and the same situation. I provided XXXX with the same exact proof and documents on the same day I gave it to Truist, ( back in XXXX ) and they have closed this claim and returned me my money still back in XXXX 

I can not simply understand that we are now 3 months later, this dispute is still not resolved, not only it isn't resolved but there is nobody to talk to and where to get any answers or any updates, nobody to acknowledge anything, the money not accessible, and simply sitting in the unknown. 

I filed a XXXX complaint with Them 2 weeks ago in which I received a response that it is being reviewed and a email address of a person at Truist that I can reach out for further updates. I emailed that person twice in past 2 weeks and no response. this is truly a big shame!!

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 2019-04-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
We currently have an IBR plan that determines our payments based on our income and family size. We are required to re-certify our payment plan each year, and have the option to resubmit our application for repayment if there are any changes in our income or family size. We decided to resubmit early, due to an increase in family size ( with no change to our income ). However, instead of our payment decreasing, it increased. ( from XXXX to XXXX ) I called in ( XX/XX/19 to employee XXXX ) to discuss this error, and was told that our account would be reviewed within 7-10 business days. We never heard back, but recieved another bill in the incorrect amount. I called again ( spoke to employee XXXX ) and was told the same runaround. No response, no change. Called again ( XX/XX/19 ) and was told it would be resubmitted and in the meantime they would send an adjusted bill in the original XXXX amount. Yet they never ACTUALLY changed the bill, and processed a direct debit in the XXXX amount. Called again on XX/XX/19, and they refused to address the problem and instead ran me around for over an hour on the phone before essentially saying " too bad '' it's correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: PA
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 filled a dispute with EXPERIAN because there are 2 fraudulent accounts on my credit report they are both from the same lender XXXX one was in XXXX, XXXX  the other XXXX, XXXX  EXPERIAN said they an investigation and found that these were my accounts which is not true so I did my own investigation and called XXXX at XXXX and spoke with a representative named XXXX and found out they have a fake email and phone number also the loan was used for XXXX XXXX in someone else name but they got a loan using my ss number strongly urge EXPERIAN to call this company and they will tell I never signed any paperwork they don't even have a copy of my ID

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