BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX was closed XX/XX/2013 but is showing as " current '' on my TransUnion consumer report. ( See attachment reflecting CRA 's reporting incurrent information. ) A closed account can not be reported as current. This inaccurate information is causing harm to my reputation.

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 2021-10-19
Company: EQUIFAX, INC.
State: OH
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 was looking through my credit report and these unverified accounts still reflects negatively in my credit report, even after many attempts to reach out to the credit bureaus which caused severe XXXX upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Was not notified of investigation status or results

Complaint:
According to 15 U.S.C. 1681i Experian, XXXX XXXX XXXX XXXX shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and RECORD the Current Status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

The credit bureaus mentioned above have absolutely Violated my rights numerous times. I have attached my disputes for each credit bureau, my identification information and the certified receipts for when I sent my disputes to each credit bureau.

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 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAPITAL ONE BANK USA was reporting on my credit report from XX/XX/XXXX XXXX XXXX when I the consumer realized that they were reporting ; I had them removed from consumer agencies such as XXXX XXXX XXXX and XXXX due to them not being able to submit documentary evidence. They have been sending me debt collecting letters via mail and email till this day even when they don't have documentary evidence which they are in violation of Title 15 U.S. Code Subsection 1692c. Communication in connection with debt collection and 15 U.S. Code Subsection 1692d. Harrassment or abuse. And Title 15 also states that the creditors need the consent from the consumer in order to contact them which I never consented.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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: Account information incorrect

Complaint:
XXXX XXXX was out of COVID-19 relief compliance. They didn't comply to resolve my COVID-19 relief request in XXXX of payment extension, this issue was reported to the office of Attorney General whom contacted XXXX XXXX, because XXXX XXXX XXXX was XXXX for taking advantage of consumers and so was XXXX XXXX  in XXXX. Then XXXX XXXX turned around and sent my account to a collection agency. Our Lawyer wrote back to that collection agency that XXXX XXXX was out of XXXX compliance and and the collection agency disappeared, then XXXX XXXX  surprisingly started reporting monthly charged off ( CO ) on my credit report after their collection agency disappeared.This was brought to my attention by a car dealership and wanted us to contact XXXX of why CO was reported monthly instead of just once as a charge off notice. Kindly assist us to clarify from XXXX XXXX why they kept reporting " charge off - CO '' every month? I think this causes for a lawsuit against XXXX XXXX of malicious, intolerable, incongruous monthly illegal charge-off. Thanks. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
TD AUTO was out of COVID-19 relief compliance. They didn't comply to resolve my COVID-19 relief request in XXXX of payment extension, this issue was reported to the office of Attorney General whom contacted TD Auto, because XXXX XXXX XXXX was sued for taking advantage of consumers and so was TD Auto in XXXX Then TD AUTO turned around and sent my account to a collection agency. Our Lawyer wrote back to that collection agency that TD Auto was out of COVID-19 compliance and and the collection agency disappeared, then TD AUTO surprisingly started reporting monthly charged off ( CO ) on my credit report after their collection agency disappeared.This was brought to my attention by a car dealership and wanted us to contact TD of why CO was reported monthly instead of just once as a charge off notice. Kindly assist us to clarify from TD AUTO why they kept reporting " charge off - CO '' every month? I think this causes for a lawsuit against TD AUTO of malicious, intolerable, incongruous monthly illegal charge-off. Thanks. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: CA
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 witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX, has v

iolated 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 account without my written instructions.

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 2022-09-08
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: Was not notified of investigation status or results

Complaint:
and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character

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 2023-01-11
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent the letter below to all 3 credit bureaus. XXXX, XXXX, and Transunion has yet to get back to me with an answer. It has been over 30 days. I would like to have these negative items removed from all XXXX of my credit reports. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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 re-investigated. 

XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, 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 2023-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XX/XX/2021 I made a purchase in the amount of {$520.00} for some designer purses with capital one credit card through what I was thought was a legitimate website. I follow the instructions for purchase as listed and once the transaction information was listed on the paypal account, I noticed that the name listed was one that did not seeming match the website. I called and notified capital one immediately. I suspected that the purses would be fake and I was extremely worried. Their response was to close my account, issue me a new card, and I completed a fraud assessment form and mailed it back to capital one. I was also told that there would nothing that I could do more until the packaged arrived. When the purses arrived, it was not as described on the website. I marked returned to sender on package and returned it. I attempted to return to website and it had disappeared from the internet. All of this was told to capital one, which seemingly did not care. I have had this same account with capital one for nearly 25 years, if not more.I then received a letter dated on XX/XX/2021, stating that I informed them that I did not make the charge, ( which is not the case ). The letter also stated that capital one " found insufficient evidence of fraud ''. I called capital one the same date that I received the letter and was told there was nothing that could be done and that I should contact XXXX. I did contact XXXX and was told that since I had reported it to capital one that there was nothing XXXX could do for me and that I should follow up with capital one. On XX/XX/2021 I received a letter and email stating that capital one was considering my case closed and that I was responsible for the charge. I tried numerous times to resolve with capital one with no results.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-24
Company: Fidelity National Financial, Inc
State: NM
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is the state counsel of nm for fidelity national title He made the loan the closing the hud title and escrow setup for my land contract I was not offered any other type of financing Bought a home with cash down, paying what I was told " arrearages '' of a mortgage by countrywide to make the payments and refinance 7 or 8 years after. 
I was given HUD statements on the moneies moved around to make things fit, by XXXX XXXX and XXXX XXXX and then I was asked if I know the last 4 of the sellers social security number which I did not, then I was told that the XXXX XXXXXXXX XXXX is modifying the loan with the prior owners????? after 4 months it was sold to us? 
The issue is that ieven if I put more down to be ahead of payemnts the loan never caught up and it ended in a foreclosure filing The REC balance to payoff was under XXXX and the bank had a " set aside '' money and a " new loan no cash " done in XXXX, which fidelity, where XXXX XXXX works, knew that it was already sold to another and that the prior 2 owners could not encumber the house, despite this fidelity shows as " insurreer " for the bank XXXX XXXX XXXX works there, he made the deal and despite that the title company covered this fraudulenty loan in XXXX. This loan is not attachable to my house, and this " judgment " of the dated loan XXXX in XXXX is not collectable, from us, maybe from the " investor clients of bank XXXX XXXX and XXXX XXXX '' not us, they have harassed annoyed and really messed my life and threatenned us for years and years because they CAN use their leveralge, call in a FAVOR they are huge banks and title companies, and they ahve established war against a feeble XXXX old lady and myself hwo have put all our savings cash which the banks used for interest and overight loan and have not accoungted for to setoff the loan in XXXX. They returned a third of the cash about XXXX and embezzled the rest, of XXXX missing in " suspense '' accounts that are for bank profit and threaten us to foreclosue on our home we have continued control of over 10 years and paid cash. Pleaes collect from your " borrowers '' who sign the loan, for a inrem foreclosure the title must be in the name of the debtor and we did not sign now or anything about the XXXX fha investor loan " new loan no cash ''. You hsould stop giving money to the salcedos in florida and really make sure the people livein the home before bleeding cash to them. I included my gas bill I lived and controled this home for over 15 years, there is no fha loan possible iafter XXXX with the XXXX 's and XXXX XXXX XXXX KNOWS THIS., Silence breeds corruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2021-10-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I received an email from what looked like to be my escrow company informing me that the rest of my down payment, XXXX for my first house will need to be sent to their trust account and it provided me a new account and routing number. While looking at the email on my iphone, the name of the person who messaged me was the same as my escrow co. But when i click on the name, the email addressed appeared and I knew it was a fake email and the new wire instructions were not of my escrow company but I did not notice this until after the transaction. I have been in contact with Chase Bank ( my Bank ) and XXXX XXXX ( receiving bank ) ever since the transaction on XX/XX/XXXX and i dont believe much progress has been made. XXXX XXXX did call me over the weekend when I first sent the funds and left me voicemails, but I did not pay much attention to them since the voicemail did not state my name ( i assumed it was spam ) until Monday XX/XX/XXXX when my Escrow Co informed me they still haven't received my funds, i called back XXXX XXXX and they confirmed that they will hold the funds, they knew something was off since the name of the funds did not match the owner of the account. Since then, I have only been able to contact Chase Bank via secured messages on their app ( they are currently not accepting calls to their wire team because of Covid ). these messages sometimes take a week to get a reply back, they claim to be in contact with XXXX XXXX on the issue and now XXXX XXXX is requesting an Indemnity Letter, Chase informed me of this and asked me to contact XXXX XXXX directly for this at XXXX for the template. I sent the second email today to this email address and still have not received a response. Chase advised to call chase fraud team, but the fraud team told me they can not do anything and to keep in contact with Chase wire team via secured messages on their app. I have gotten this run around times from Chase Bank. I need help and advice on what my next steps should be. XXXX XXXX will no longer help me since I am not a member, they will only accept calls on the issue from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Requesting for someone to contact the intuition to verify a simple payroll check. 

Greetings Inform them that my payroll check has been pending for three days. Faced a huge issue due to this, unable to pay anywhere and also not able to do any kind of transaction. I spoke to multiple Customer service Reps, after being neglected and feed fluff on multiple occasions. The last couple reps were kind and explained the matter. I've have experienced in digital support banking and understand the process, however the actions of The supervisor was unjust and not amenable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Fraudulent checks being cashed against my chase checking account and no ability to get refunded from the Chase Bank. Called ( XXXX ) XXXX on XX/XX/XXXX was put on hold for 1hr 41min with no answer. Called the local branch on XX/XX/XXXX, they told me only option was to call the above number. Called ( XXXX ) XXXX on XX/XX/XXXX, received a call back and talk to a representative, they said they needed to put me on a brief hold to verify my account, put me on hold for 20 min then disconnnected me. To date, they have allowed {$8000.00} in fraudulent checks to be cashed against my account despite claiming to provide a zero liability guarantee. Additionally, I went online to enroll in check monitoring to provide additional security go forward as recommended by the branch, and when I tried to setup on XX/XX/XXXX received a message " This part of our website is not currently working, please try again later '' ; tried 3 times, none worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is no reasonable explanation for my credit score to go from XXXX XX/XX/2021 to XXXX XX/XX/2021. My credit score has been over 800 for more than 10 years. There was XXXX late payment during the specific time period. A excellent credit scores mean the world to me for many reasons. 

I spoke with Transunion representatives with no satisfaction. They told me to look at the report for the answer. Their system calculate the score based on the information in the report. I need HUMANs to look at my case to assess this flawed process. 

I requesting you intervention and support with this matter.

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