BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
i dispute over the phone with TransUnion on XX/XX/XXXX, on XX/XX/XXXX i call transunion at XXXX they had me in the phone for more then one hour giving me the run around, i spoke to XXXX   the XXXX asking them for Results on my Dispute, why not i received a new results by mail and i also ask for method verification and they told me that they do not do investigate any account for Inaccurate information on multiple account ( XXXX XXXX XXXX , Account # XXXX ), ( XXXX XXXX XXXX , Account # XXXX ), ( XXXX XXXX XXXX , Account XXXX XXXX ), XXXX XXXX XXXX, Account XXXX XXXX ) also i had a public Notary Double check every account and sign that what I'm stating is correct on my end and that TransUnion is not properly doing that correct investigation.TransUnion said that the account was verified and updated when i received results stating that these items have been verified when i can clearly see inaccuracies littered all over the place on my credit report! how were these items verified? I am sending proof that you are reporting accounts wrong and they clearly need to be DELETED I also need to see whatever PROOF you have that these were even investigated and that, They were subsequently verified. I also would like a new credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

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 2018-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have tried three times to transfer funds to a new Capital One account. Each time it never happens - this equals three hours of work!!!! I am furious! There is no one to email - you have to call customer service, be put on hold and told everything will be fine - they can't even EMAIL A CONFIRMATION! They will give you a bonus if you have a certain amount of money in a savings account, BUT THEY MAKE IT IMPOSSIBLE TO TRANSFER THE FUNDS! It is horrible!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2022, I spoke with a representative from Harris & Harris that would only identify themselves as " XXXX XXXX '' in regards to a medical debt they claim I owe. During the phone call, " XXXX XXXX '' was short and rude with me. I asked for debt validation, to which I was given the information that I would have to contact another company ( XXXX ) to get that validation and verification. I asked " XXXX XXXX '' to no longer call the number they had on file for me and was proceeding to ask other questions when she hung up on me. I called XXXX and they were not able to find any debt that was owed and had no idea why this other company was contacting me. 

Today, XX/XX/2022, I had XXXX calls from them within the hour between XXXX. I advised the first representative that I had already asked for them to no longer call me, to which she said that the previous representative on Tuesday " should have '' put that in the system, but they did not do that. She then proceeded to try and collect the debt. I asked them how we could rectify this situation since they were not supposed to call. She placed me on hold and a person that identified themselves as a supervisor named " XXXX '' came on the line. He, at first, said that the previous rep did in fact put my name on the do not call list. I persisted asking why they would still call to which he responded that he has now put me on a " global supervisor '' list. So he is saying that my number was put on the list originally and they still called ( which is a violation ), but the other rep just before him said that my number was never placed on the list but still persisted with trying to collect the debt when she knew that the call shouldn't have been made ( still in violation ). I asked XXXX for verification of the debt, for validation that they own the debt, and verification that they are authorized to collect the debt, to which he claims they have already sent me " XXXX '' validation letters ( that I have not received ) and they do not own the debt. XXXX gave me XXXX " debt '' numbers and claim that I owe XXXX debts to this other company in the amounts of {$40.00} and {$150.00} and told me that the company XXXX may in fact not have record of these debts since they are in collections and not an active account ( just contrary to what XXXX XXXX told me ). They do not seem to know who owns the debt, where the debt is, and are giving me conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Back in XXXX of 2018 when I turned XXXX years old I applied for a AMEX credit card. Amex approved me for a blue cash everyday credit card with a {$2000.00} dollar limit. I was working at the time and making a living. I made 10 on time payments with that credit card until one month I lost my job and I could no longer make the monthly payment. This resulted in making one late payment for the month of XXXX in the year 2018. Through this hardship I tried to reach out to AMEX to see if they could work with me and forgive the late payment that happened almost 2 years ago out of a goodwill gesture and see if they could forgive my very costly mistake. Fast forward over 2 years later, I have made 20 on time payments and they still can't see past my one costly mistake. I have made an effort to make all my payments and be a responsible borrower, I would like to show AMEX that now at the age of XXXX I am a great person and I am someone who they can trust again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions 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:
The unverified accounts 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 accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$12.00} ; XXXX XXXX  XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$0.00}.

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 2021-08-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I've sent several letters disputing inaccurate payment history with my XXXX XXXX account # XXXX. The payment history is reporting inaccurately. I've attached a history of the same exact account from XXXX and XXXX. The account information is accurate with the other two but not with Experian. 

Each time they've responded stating information has been updated. The information is reporting inaccurately and has damaged my profile. This goes against the Fair Credit Reporting Act.

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 2020-06-28
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-02-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 recently pulled my credit report, on XXXX XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to all three credit bureaus. XXXX, XXXX and XXXX on XXXX XXXX  and every 30 days up until present XXXX. I asked all three bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. There are 2 collection accounts reporting as OPEN and LATE 120 DAYS but it's a COLLECTION account This is a violation of ( 15 ) U.S. code 168i ( 5 ) please assist in this matter. There are other accounts in violation as well. Can someone please assist me with this matter Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Experian Information Solutions Inc.
State: NY
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:
Neither Experian or XXXX will allow me to dispute false information on my report. I have called, written and gone online. Experian has stated it will not dispute my any false address information and fraudulent charges that XXXX will not investigate. 

XXXX has the same information and is harder to reconcile issues with. They will not allow me to setup an account online to monitor my credit. They are reporting false information and fraudulent charges from XXXX and are unwilling to update the information. XXXX allowed my personal information to be left out to the public and was supposed to give free credit monitoring and never honored their responsibility to me the consumer. XXXX has false information about landlord and tenant information, and has kept it on my record although disputed and false past the XXXX allowable public record reporting Period. XXXX has also allowed fraudulent searches of my credit history by XXXX XXXX XXXX XXXX XXXXXXXX XXXX was not authorized to have access to my account and I have not business with XXXX XXXX  XXXX to support their access to my credit. Every time I try to dispute it the company does not respond to my inquiries sent by mail. 

Both experian and XXXX refuse to dispute incorrect reported information from XXXXXXXX XXXX  XXXX. I have attempted for several months to have the information reported to reflect fraudulent charges XXXX will not investigate but chose to award $ $ to a vendor that fabricated work done and did not fulfill their agreement. Both Experian, XXXX and XXXX have ensured my credit dropped over 80pts chosing to let a fraud charge stay on my credit report and not ever doing anything to validate that the charge was indeed fraud. All three institutions are working against my rights as a consumer which is to protect my financial credit information. 

XXXXXXXX XXXX, Experian and XXXX are stone walling against facts and using their power to prohibit me as a consumer to get justice against fraudulent interest charges and monies paid to a fraudulent company and giving unauthorized access to my credit information and not allowing me the consumer to monitor and dispute my credit file!

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 2023-04-10
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got an email today. From persolve legal group about a debt from XXXX XXXX XXXXXXXX. I do not owe XXXX XXXX XXXXXXXX any money. I have a FTC report and police report my identity been stolen. I request company to send me application so I can file this to police report. I am requesting this case to be dropped and not be put on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CITIBANK, N.A.
State: TN
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 I paid for my husbands XXXX online. To XXXX XXXX XXXX  in XXXX XXXX Arkansas. 
The charge was {$2200.00}. Later that day I open my credit card account online & there was a charge for {$22000.00} to XXXX XXXX. 
I called the Autopsy office & talked XXXX the office manager who had earlier that day walked me threw the steps to pay {$2200.00} online. 
She told me, there was nothing she could do. 
I needed to call my credit card company. 
XXXX Citicard XXXX Last 4 numbers of card XXXX. So I did & was told by Citicard the charge was approved already so I had to file a dispute for the {$22000.00}. Charge. 
So I did this right away over the phone. 
I did pay {$2200.00} for the autopsy on the same credit card that same day. 
XX/XX/XXXX. 
XX/XX/XXXX. I saw the {$22000.00} was put back on my card. 
I called. Was told the dispute department found this to be my responsibility unless I provided more info. So XX/XX/XXXX I faxed more information, & emailed it also. 
The person I was talking to at forensic office, XXXX, her phone number. The invoices paid to XXXX. One correct, other overpayment invoice. I provided, The phone number & person to speak to about the over payment of {$22.00} XXXX. In the XXXX XXXX account, which I had gotten from XXXX the forensic office manager. 
XXXX XXXX I called Citicard to check on status of this dispute. 
XX/XX/XXXX a second charge {$22000.00} was applied to this same XXXX, Citicard. 
I called XX/XX/XXXX & spoke XXXX. 
Told me was mistake & would be corrected. 
Called again XX/XX/XXXX to see why not not corrected. 
Talked to XXXX at Citicard who told me it was mistake & would be corrected. 
Still have 2 {$22000.00} charges on this card, showing it overdrawn. {$20000.00} due immediately. 
No credit on a {$30000.00} available card. 
I sent fax, email. On XX/XX/XXXX & again on XX/XX/XXXX trying to get this corrected. 
XX/XX/XXXX I got email from the dispute department saying. 
According to the documents received XX/XX/XXXX, you accept responsibility for Charge. 
So we consider this matter resolved!!! 
I called dispute department XX/XX/XXXX & spoke XXXX, who assured me this matter will be taken care of. 

No response as of today from the dispute department. 
Today I faxed & emailed them again. 
Because I still have these 2 fraud {$22000.00}. 
To XXXX XXXX in which the credit card company are saying Im responsible for. 
Man can only die once. 
So why would I have to pay for 3 Autopsys on Same person.

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 monetary relief
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX  rights have been violated I did not give XXXX  instructions for these accounts to be place on XXXX XXXX report REMOVE IMMEDIATELY THIS IS A Violation ALSO. THESE ACCOUNTS ARE Reporting on XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Procedure in case of disputed XXXX  ( XXXX ) TREATMENT OF XXXX  OR UNVERIFIABLE INFORMATION ( A ) In general If, after XXXX  reinvestigation under paragraph ( XXXX ) of XXXX  information disputed by a consumer, an item of the information is found to be XXXX  or incomplete or can not be verified, the consumer reporting XXXX  shall ( i promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports XXXX XXXX XXXX In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the written instructions of the consumer to whom it relates.

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 2023-07-31
Company: Genesis FS Card Services, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX and natural person, was denied credit by MILESTONE MASTERCARD when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX XXXX of whom I am the Executor of the Estate/Trust of XXXX XXXX XXXX XXXX through a XXXX form from the Treasury with a XXXX with credits/funds exceeding $ XXXX in which credits are taken from every time my social is used. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my OWN credit, when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605, 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ).

You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by MILESTONE MASTERCARD due to the response I received.

MILESTONE MASTERCARD is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of MILESTONE MASTERCARD 15 U.S.C 1602 ( p ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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 information you are providing to the consumer reporting agencies is inaccurate and incorrect. 
This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. 
Your inaccurate reporting has caused substantial harm to my livelihood.

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