BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$1200.00}

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 non-monetary relief
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: MI
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:
I have new and updated information. 
in accordance with the Fair Credit Reporting Act Experian has violated my federally protected rights!

Fact, 15 USC 1681 States I have a right to privacy, which Experian has infringed upon.

Fact, 15 USC 1681 States a consumer reporting agency may furnish under the following circumstance and no other : with the consumer written consent I have not giving Experian my written consent to furnish on my consumer report.

Fact, 15 USC 1681i Experian failed to do an accurate Reinvestigation.

Fact, according to 18 USC 1028a uses, without lawful authority, I did not give Experian consent to use my information Fact, I sent Experian letters and called multiple times telling the to remove the inaccurate information and they failed to do so, violating my rights to privacy as there is someone else addresses and names on my report. 
Fact, Friday XX/XX/XXXX XXXX with Experian told me they only investigation involves the furnisher verifying the account, Experian has no way of

kno wing if its accurate, so how could you exercise your grave responsibilities to accurate information if the not investigating as required. Fact, Experian is willfully and negligently noncompliance with federal laws.

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 2023-02-03
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my PMI was not automatically canceled once the ratio reached 78 %. 
i am currently at 74 %, 4 % past the supposedly automatic PMI Termination level. 
I requested the 4 % over payment be either refunded or applied to my mortgage principal and was told no by the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: GA
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 trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have paid at least 3 companies to get these things removed and also asked the bureaus. Only address on my file should be XXXX XXXX XXXX XXXX All others are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 XXXX : {$820.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions 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: 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 items 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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX US DEPT ED XXXX Balance : {$4300.00} ; US DEPT ED XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-04
Company: Experian Information Solutions 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the followingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit card company XXXXXXXX XXXX XXXX  incorrectly submitted XXXX hard inquiries for the same credit card application. The first hard inquiry was on XX/XX/XXXX and the second hard inquiry was on XX/XX/XXXX. I asked XXXX XXXX XXXX to remove one of the inquiries as they had improperly reported and need to submit accurate information. It took over 6 months, but they finally sent me a letter on XX/XX/XXXX stating they submitted a request to all three major credit bureaus to remove the hard inquiry from XX/XX/XXXX. However, it is now XX/XX/XXXX and it still remains on my credit reports, especially TransUnion. I have followed up with them a few times since XXXX about this and they continue to confirm they sent in the request, however the inquiry has remained.

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 2023-08-29
Company: CITIBANK, N.A.
State: GA
Product: Prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
ON XXXX I made an online purchase with Macys ( order # XXXX ) using a Macys gift card in the amount of XXXX and I used XXXX to pay for the remaining balance of {$120.00}. The XXXX order number was XXXX. I had to pay {$31.00} for the deposit, which was debited from my debit card ending in XXXX. This is my card on file for XXXX. I returned the order. Instead of Macys issuing me a gift card back, they sent me a merchandise certificate ( XXXX ). This can only be used in the store. The closest Macy store is more than XXXX miles in XXXX Georgia. I called the customer service number and asked could they exchange this out for a gift card. I was told yes. I was on hold for over an hour and no one came back to the phone. I went into Macy 's store XXXX tried using the certificate because I never received the gift card. It stated the certificate had been used. The clerk in the store was like how it can be used, and you still have it. She called the customer service line. They asked me for my card number, and I would be issued a refund within 7 to 10 days. I never received the refund. On XXXX I called Macys again on hold for over an hour only to be given a number to XXXX. On XXXX I called again. XXXX a customer service manager at the store informed me that my card was credit on XXXX. I never received the credit. It was credited to a card ending in XXXX. This is not my card. I have since filed a complaint with the XXXX XXXX XXXXu in XXXX. The representative from Macys, XXXX XXXX states the credit was issued to the card ending in XXXX and was ending my complaint. This is not my card. I have never received the refund. XXXX never received the refund. They went back and did the history to the transaction. They refund me back my deposit of {$31.00}. I want my {$49.00}. If Macys would have sent me back my original form of payment this would have never happened.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-08-16
Company: JPMORGAN CHASE & CO.
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/2018 I purchased a resume writing service ( {$290.00} ) from " XXXX  XXXX XXXX '' an online resume writing service provider using my Chase Preferred credit card. 
XX/XX/2018 I received first draft of the resume in 3 different formats. 
XX/XX/2018 I sent them an email and told them I am not happy with the resume. 
XX/XX/2018 I sent another email and told them I'm not satisfied. 
XX/XX/2018 I got another version ( 10 % change ) from the service provider. 
XX/XX/2018 I sent them an email and told them this resume isn't working for me. 
XX/XX/2018 I got an email from the service provider that I was supposed to receive a call " XXXX '' the owner I guess will call me. 
XX/XX/2018 I sent another email and told them I didn't get a call from anyone. 
__No response from them from here on __ XX/XX/2018 I opened a dispute with Chase. Case # : XXXX Between XX/XX/2018 and XX/XX/2018 - XXXX  XXXX from Chase and I played phone tags. We left at least 5 voicemails for each other. She was looking for information. We were able to speak only twice and I provided information she needed. Once when I called, I didn't have credit card on me so I couldn't verify the CC # as a result she didn't provide any service that day. 

XX/XX/2018 - I called to report that I've misplaced my CC and also discuss this dispute with someone. XXXX was the new specialist that " tried '' to help me. 

Summary of our conversation on XX/XX/2018 : After providing all the information he asked for, he put me on hold to try to get hold of the resume service provider ( XXXX XXXX XXXX ), they didn't answer. He came back on line and asked me to call him " EVERY HOUR '' so he can try to get a hold of the service provider. I asked why he can't call and talk to them without having me on the phone, he said call volumes are so high and Chase can't do that. And since service has been rendered, they can't just refund me. 

I argued that service I received isn't a service I was promised and I'm not satisfied ... he kept repeating him self. 

So I would like to file a complaint against Chase and how they handle dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
It has been more than 52 days since I sent a letter to transunion ( the only agency to not respond ) to remove/opt me out of reporting certain information. I have reason to believe that this predatory company is continuing to report those accounts because they make money on it. If they do not remove the following accounts I will want to see the accounting records as I should be making money out of my information as well. The accounts goes as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional to opting me out of reporting those accounts pursuant to 15 U.S. Code 6802, they are reporting the following account incorrectly, XXXX XXXX XXXX. They are reporting it as a repossession while the other consumer reporting agencies are reporting as Paid/current. Transunion does not want to do their duty as a consumer reporting agency and its clear that this company needs to be shut down.

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 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone fraudulently opened an account at Neiman Marcus under my ID with Capital One ( CO ) and charged {$5000.00} immediately. It was part of multiple cards that were opened within a week of them getting my information. My first contact with CO was in XXXX where I explained to them the situation. They shut down the account while looking into it. I have called monthly to do check ins on status updates with no new information. After 2 months and no contact from them I just found out they denied it based on looking up the information from the application only. They did not call/contact me about more details ( What Clothes were bought, where was I that day, what do I look like compared to video, etc? ) and only me following up did I find this out. You would think someone randomly maxing out a brand new card from a store would be a red flag, that actually happened at XXXX who denied the card, but they don't seem to care. I have only ever spoken to account managers but no one from the fraud department and until I reached out I had no idea what was going on. I ended up making a payment on it just so it wouldn't hurt my credit. Its been a total waste and can see they probably do this a lot and hope people just pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Resurgent Capital Services L.P.
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 do not owe lvnv funding any money. I understand they are debt buyers. But I do not have a contract signed with this company. Im requesting they ceast & desist from collecting debt since I do not owe them any money. Im also requesting they delete this collection off my credit report per fcra laws. Also I since Im requesting ceast & desist all communication should be by postal mail and all phone calls should stop. If they call me. I can sue XXXX per call per fcra law. 

Delete this off my credit ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: FinCo Services Inc DBA Current
State: CA
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:
I recently opened an account with current. I lost my card and didnt realize it was gone, from XXXX XXXX to XX/XX/XXXX there are 25 transactions to various merchants including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX., the total charges amount to over {$1500.00}. I closed my card as soon as I realized there was fraud on the account and I contacted support to open a dispute. They closed the dispute and claimed there was no errors

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was trying to set up an payment arrangement the rep that told me was the payment schedule and the amount. but i got the bill different so when i called them back they said that their maybe some extra charge after the last payment. i been asking them to sent me contact never have one. i been told totally different. they are rip off.

Company response to consumer: Closed with explanation