BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XX/XX/XXXX Three charges were made on my card in California when I was in Arizona. 
XX/XX/XXXX - XXXX  {$110.00} XX/XX/XXXX - XXXX XXXX {$61.00} XX/XX/XXXX XXXX XXXX {$21.00} I saw the charges and reported them to Capital 1, canceled the card and they opened an investigation. XX/XX/XXXX I received a letter saying they didn't believe it was fraud and left the charges on my account. I called the fraud department and they wouldn't help me, I still have these charges on the account. I have not used this account since. I don't even have a physical card. I did not receive a new one. I offered to share any proof that I was not responsible for these charges, as I was not even in the same state and there are no other authorized users but they didn't care. 
This morning XX/XX/XXXX I woke up to a text from capital one about a suspicious charge, I opened my account and there were somehow 5 charges at a a XX/XX/XXXX and a casino in XXXX. 
XX/XX/XXXX - XXXX {$1.00} XX/XX/XXXX - XXXX {$6.00} XX/XX/XXXX - XXXX {$63.00} XX/XX/XXXX - XXXX {$30.00} XX/XX/XXXX - XXXX {$1.00} XX/XX/XXXX- XXXX XXXX {$430.00} I called immediately, notified the agent that this was fraud, and asked how it could happen as I have no card activated. He did not give me any explanation but just opened another report. I asked to confirm the card is cancelled/deactivated. I asked for email confirmation but they won't send me anything but a letter. 
The agent on the phone informed me a card was sent on XX/XX/XXXX. I never received a card. I did not activate any new card, and I have now locked my account online. I told the agent this but he did not have any answer for me on this. He kept reading whatever script he had and I didn't receive any helpful information. 
I have been with this company for 6 years and have not had an issue until now. I am so disappointed in the customer service and can not afford these charges that were not me, but are fraud. I don't know what else to do but report this here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Unauthorized inquiries listed below please remove immediately from my report Hard Inquiries ( XXXX ) Company NameXXXX  LoansDate InquiredXXXX 2023Company NameXXXX OF XXXX Dealers, NewDate InquiredAug XXXX NameXXXX XXXXDate InquiredAug XXXX NameXXXX XXXX FinancingDate InquiredXXXX XXXXCompany NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NameXXXX  XXXX Dealers, NewDate InquiredJul XXXX NameXXXX XXXX Dealers, NewDate InquiredMar XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2023 XXXX**15 U.S.C. 1681s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information Is inaccurate********

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac has failed to pay my property taxes on time for the second time in the past 7 months. This has resulted in my account being delinquent and caused me to have to pay penalties. 

The first time they failed to pay was for a property tax bill due in XX/XX/2021. I contacted PennyMac and informed them of the failure to pay. They then paid the bill but I was required to pay the penalties. 

They have failed to pay my property tax again for a bill that was due in XX/XX/2021, resulting in my account being delinquent again. I once again informed them of this problem and they paid the bill, but I was required to pay the penalties. 

PennyMac claims that they were unaware of this supplemental property tax bill, but the payment due in XX/XX/2021 was the second installment of the same bill that they failed to pay in XX/XX/2021, which means they should have been aware that a second installment was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Insikt, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Ask why was i being charged intrest only when principal of loan has not gone down at all. Only thing they said is to continue to pay and principal will go down loan was supposed to be paid in full according to terms. I ask for balance and i am denied account balance ive never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have student loan under my name and cosigner, with XXXX since XXXX which is a Federal student loan service provider and does not service Federal student loans. It only provides service for private educational loans. I was making auto debit payment option that offers me the peace of mind that comes with knowing my loan payments are being made accurately and on time. In XX/XX/XXXX, I notice my credit score drop by over 100+ point, and found out that it was missing of few payment on my loan and, I then contact XXXX for more explanation. I was told that my cosigner file Bankruptcy, because of that they did not take my auto debit payment, they just report to all credit bureaus with out my knowledge. XXXX did not send me letter or email or get no single call. They did said they will try to fix the situation, by this time damage was done. I was on process of buying house to my family, and I get deny because of this. Somehow it have been fix but it was too late. And then they did it again on XX/XX/XXXX with same unfair reason. My credit score drop by huge number again. I was told that I am not able to sign for auto debit payment no more and XXXX can not contact me or send me reminder for payment, I had to remember every month to call and make payment because the status of the loan is bankruptcy. why me? I am human I could forget payment, and XXXX did send reminder to every customer who are late from their payment but not me. I am the one who took the loan and I never say I would not pay. I only own {$290.00} from XXXX total. Its not fair for my family going through all this and pay all this price just because my old cosigner file bankruptcy. I am still paying but all I asking them that to fix the situation which they told me not this time. This matter affect my XXXX little kids life and my whole family. its cost me a lots to fix their first mistake and now back to problem. They are so fast to report late payment without one single attempt to contact me is affecting so many life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-08
Company: EQUIFAX, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.I will seek monetary compensation if this isnt handled

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 2023-10-10
Company: EQUIFAX, 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX XXXX XXXX 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2020-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked for validation of this debt and this company produces a doctored up statement saying that it was from XXXX  XXXX. You can see that it is not an original document. This company is illegally trying to collect on a debt that I have no knowledge of nor owe, nor have ever done any business with this company. I have asked for documentation On the debt which i recieved some 3 or 4 statements showing an amount owed. They are stating they sent me information back in XX/XX/XXXX that I never recieved at all. They also sent another document saying something about a last four of a social. I recieved documentation from another collection agency with the attempt to collect this same debt.It 's unusual that I would received such notice from one agency but never got anything from portfolio recovery. At this point someone is not being truthful and are illegally trying to collect on the same debts. Portfolio recovery claims they have rights to collect as well as the other collection agency. How can 2 companies own the same account from the same creditor with the same exact account number. I have not recieved any purchase agreements, not a bill of sale, but purchase agreements showing this debt was bought from XXXX XXXX nor does it state it was bought from the previous collection agency first source advantage who claims they acquired the debt in XXXX of XXXX. If portfolio recovery claims i owe this debt then I need documentation proving their right to collect this debt. these companies by law are required to provide this information upon request. They have not produced any accountant records, transaction receipts with my signature, they have not produced any license to collect in the state of california which they are required by law to have. They have not produced any valid information that shows I owe portfolio recovery Associates or XXXX XXXX any money. They are violating my rights under the fdcpa as well as the fcra. They are also reporting a charge off every month to my experian report which is also another violation of the fcra known as re aging the account. A collection account can not report any payment history if a consumer did not enter into any agreements to make any payments to. This company is notorious for their illegal debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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'm a victim of identity theft, requesting the removal of fraudulent inquirie from reporting to my credit. I'm suffering from punitive damages.

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