BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted XXXX XXXX on XX/XX/XXXX and spoke with agent about the late payment history on my mortgage account. 

I was in forbearance in XX/XX/XXXX to XX/XX/XXXX due to Covid and being furloughed. 

I paid all past payments that were in forbearance in XXXX of XXXX when i returned to work. 

I was told by XXXX the forbearance allowed my payments to be late due to being furloughed due to covid and would not reflect and ruin my credit report its being reported to trans union that my account shows late payment. trans union stated on XX/XX/XXXX that the information is correct. 

My account should not reflect late payments. 

Can you please help in getting this corrected?

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 2023-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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 Capital One 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 an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During the latter part of XXXX, 2022, I received a out of state check in the amount of {$87000.00} for deposit. I made the deposit onXX/XX/2022. On that date, I had approximately {$16000.00} in my checking account. I asked if i could issue two checks, certified check and wire transfer each in the amount of {$25000.00} ( {$50000.00} in total ) Huntington Bancshares AKA Huntington National Bank said there was no problem to accommodate my request. At this point, I had the bank issue those to disbursements as well as a withdrawal of {$22000.00} in cash. If the bankers said to me, Sir, you don't have enough cash in your account to withdraw funds, you should wait until your out of state check clears the issuers bank, then we can accommodate your request, I would have stopped all transactions and waited for several days. The bankers did not suggest I wait. On XX/XX/2022, the {$87000.00} check was returned unpaid indicating the check was fraudulent. Perhaps Huntington Bancshares AKA Huntington National Bank should have followed procedures to make sure the out of state check cleared. Huntington Bancshares sent me a letter 5 business days later indicating the illegal check should not have been used to issue any disbursements onXX/XX/XXXXcircumstances.XX/XX/2022. I then engaged XXXX XXXX to help me with these

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: NY
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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Association has entered a lawsuit without validation of debt as requested. I also never signed a legal contract with portfolio recovery Association nor did I give them permission to purchase my account information. Failure to provide me with validation of debt is illegal. The original creditor wrote the debt off and received a tax credit. I have requested a 1099c on multiple occasions as well as validity of the alleged debt and been provided with nothing but a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: TN
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: TX
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX  XXXX XXXX Balanced Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$22.00}

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 2022-05-16
Company: U.S. BANCORP
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received Loan funding from U.S. Bank for a vehicle on XXXX in the amount of {$4500.00}. 
After weeks of no paperwork from U.S. Bank I went to the branch as was told to go get a 45 day tag, After that expired I was told by the branch to go buy another that the sellers XXXX XXXX had sent the payoff amount to the agency in the sells name and that it had to be reissued. On another trip to the branch i took them a copy of a letter from XXXX XXXX ( the sells agent ) dated XX/XX/XXXX that the title had been released, I was told again that it would just be a fem more days for U.S.Bank to get the title and registration, plates, A month after that letter, with nothing but runaround from the local branch i called the XXXX # for XXXX bank around XX/XX/XXXX, the XXXX # called the branch and then told me the branch said it could be up to XXXX more days, on friday the XXXX I started a e-mail chain with XXXX XXXX XXXX Customer Solutions Specialist | XXXX XXXX XXXX XXXX XXXX XXXX who also spoke to the branch, specifically XXXX, and was told by XXXX, XXXX that XXXX would be going to the XXXX on XXXX today '' the XXXX to get the title, I have not heard from the branch, even after asking for the XXXX # to have the branch manager contact me, I have not heard from XXXX and I have not heard from XXXX XXXX XXXX which leads me to hope that you can help me get the Plates, tags and registration for a vehicle that I can not XXXX XXXX and have made 3 payments on, my XXXX will be due on the XXXX of XXXX and I would like to know how I can put my payments into escrow until U.S. bank has supplied me with all the items listed above. 
Thank you 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 2019-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
In XX/XX/2019 I have opened a dispute with the bank against XXXX XXXX XXXX in XXXX, XXXX for a trip to XXXX paid for on XX/XX/2019. 
The company 's representative cancelled our tour participation while in XXXX as retaliation for bringing up an illegal practice of selling the health supplements as medical treatment with supposed authorization by the US FDA. The dispute was documented in detail including a statement from the FDA in a 14 page fax sent to Capitol One and confirmed received. 
Subsequently the Capital One issued a credit and then check in the amount of the dispute. 
Today I received a letter from Capital One stating that there will be a charge back as the company forwarded a merchant 's statement about the merchant 's cancellation policy regardless of fact that the merchant 's representative cancelled our tour and not us. Subsequently I authorized my husband XXXX XXXX to speak to Capital One dispute dept and my husband was informed that the Capital One didn't even bother to analyze any info sent to the bank by me in XXXX and the notice with charge back was sent out automatically upon receipt of merchant 's response without any analytical input or review of documentation provided prior to this decision. 
It is apparent that the Capital One dispute dept process is fake and actually nobody has read provided documentation and evidence ( this fact was actually acknowledged by the employee XXXX in XXXX, FL service center ) It is apparent that the Capital One 's process is to automatically close the dispute and re-bill the account without any type of analysis or even comprehension of the response determined by submitted docs and evidence. This not only shows bias against the customer using the card that didn't receive the service paid for but it shows the Capital One is aiding and abetting fraudulent activity by the merchant. 
The only excuse and justification for this state of affairs given was that this is an automated system which both defies logic and a common sense. 
It is also very deceptive as it appears that the bank is interested in getting the customer involved in prolonged and long process of dispute in bad faith as it has no intention to either analyze the info provided and provide a determination of the outcome of the case based on documents and evidence provided. 

Two questions : 1 ) why the dispute system is designed this way and what is the percentage of disputes that are determined in favor of cardmembers vs the merchants? 
2 ) what are the employees that have dealt with my complaint ( please provide employee numbers as I want to determine the case flow and who actually made a decision in the process in what time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: MS
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 certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). I further attest that I am authorized to pursue this disagreement under both federal and state law. Additionally, I am aware that major factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. These false remarks are also illegal according to 18 USC 1621. There are items in my credit report that have nothing to do with transactions I've ever completed. I claim that someone or some organization utilized my personal identifying information without my consent to apply for goods, services, or money. Please have a senior official from your company certify under penalty of perjury that I received goods or services if you believe I obtained them. Please have a senior official from your company certify under penalty of perjury that I received goods or services if you believe I obtained them. These businesses are breaking the law by doing these aggressive inquiries and adding these unauthorized accounts to my credit report. This has brought about a great deal of unneeded stress and anguish. I did not authorize these accounts or hard inquiries, and they are not mine. Please look into it and promptly remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened up a dispute with Paypal about a transaction to XXXX which I did not make. It was a charge of {$980.00} on XX/XX/XXXX. The dispute was closed in a matter of a couple minutes automatically stating the charge was not unauthorized. I contact Paypal through their chat system and was told the purchase was not covered by Paypal protection because it was an authorized payment. They went ahead and told me they can open up the dispute for a different reason which was " Never received item '' opposed to the original " unauthorized charge ''. After telling the agent to go ahead and open up the dispute with that reasoning I was alerted that the case has been resolved and closed in a matter of minutes again. I was so frustrated and did not want to spend days on the chat system again so here I am making a formal complaint against them. I have asked them for proof and documents and was told I was sent those documents through the email which is not true at all. They did not even bother with the investigation to get my money back at all judging by how fast the sealed both cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.

In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2021-11-10
Company: Paramount Capital Group, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX is reporting two accounts they can not validate I owe them money. They have failed to provide name and address of the alleged creditor, alleged debtor, alleged account number, address on file for the alleged debtor, the alleged debt amount, date alleged debt became payable, date of original charge off or delinquency. They have not advised if the debt was assigned to the XXXX XXXX, XXXX, or purchased. They have not provided the amount of debt was purchased. 

They are reporting to the three reporting agencies the accounts as recently opened when they have reported the two accounts for years.

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 2020-12-22
Company: Experian Information Solutions Inc.
State: MA
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 disputed a few accounts on my credit report for various reasons, I asked Experian and XXXX to do an investigation on these accounts, I waited for them to finish their investigation and they told me that these accounts are accurate. I then asked Experian and XXXX to provide me with the method of verification, also any documents that they have for each of these accounts. I also asked for the information of each person that they spoke with in regards to these accounts, like their phone numbers, the names of each person and any documents that were given to them.Experian and XXXX decided not to provide me with anything, instead they told me that the accounts are accurate and that they belong to me. Now I am asking for Experian and XXXX to delete each of these account because they did not provide me with the method of verification that I asked for. What these companies are doing with my credit report is illegal because they have not given me anything that proves that what they are saying is true. I dont want to take their word for it, I want proof.

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 2023-04-03
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around XX/XX/ I opened and account with Regions Bank for the company XXXX XXXX XXXX XXXX XXXX ( I, XXXX XXXX XXXX, am the president of XXXX XXXX. On that date I deposited only {$1000.00} dollars. 
On the date indicated the Bank sent me a Debit Card. I do not remember if I received that Debit Card or not. I never remember or wrote down the PIN. 
On XX/XX/ the card was activated. I did not activate the card. Regions does not have security steps to activate a debit card. Somebody may have my name and my SS and call and activate the card. The problem that Regions lacks one important step in the activation process. They do NOT sent a request to enter a PIN to activate card ( others banks do this like XXXX XXXX, etc. ) Then Regions allowed to change the PIN or use the one that I have created at the time of opening the checking account. 
Please remember that I did not wrote or even remember the PIN I created when I first open the Checking Account. 
Notice that the first fraud activity was XX/XX/ and the Bank never took action to cancel a card that was sent in XXXX. same year. How come they keep as valid a card for more than 5 months?. 
Next, once the charges started on XXXX Regions does not have any security like : 1. Informing me that there was too much activity on a card that has never been used before.2. Regions even allow large purchases to go in without stopping them, for example, XXXX XXXX # XXXX, 3 purchase for {$500.00}, {$1000.00}, {$2500.00} same day same time on XX/XX/. 
Region fail in stopping these transactions ( see statement ). 
I believe that the bank failed in his security too many times and therefore they are liable for the charges incurred into my checking account

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 2021-11-10
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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