BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been unable to have several loan applications processed because my Transunion records are frozen. They put me on hold and don't answer. Their website has locked me out and won't accept my password because I am no longer a subscriber. I have not received a response to my email. They are deliberately holding my records hostage until I resubscribe. I am trying to obtain a loan ( with a FICO score over XXXX  ) to pay for services that will help me service the current COVID-19 crises. Transunion is preventing me from saving my life with appropriate, high-quality health-sustaining equipment.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX, XXXX DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX and ( Original Creditor : 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 2023-04-22
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Validation of Debt Request for Account XXXX XXXX Dear Sir/Madam : I am writing to request that you provide me with validation of the debt that you have reported on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I am entitled to receive verification of the debt that you claim I owe.

I do not recognize this account that you have reported on my credit report. I do not recognize the account number, account balance, nor do I have any recollection of this alleged debt. Therefore, I am requesting that you provide me with the following information : The name and address of the original creditor ; The original account number ; The amount of the debt that you claim I owe ; Verification that you are licensed to collect debts in my state ; Verification that the statute of limitations has not expired on this debt ; Documentation showing that I agreed to pay this debt.

Original purchase agreement or contract from original owner of this debt ; Arbitration agreement if applicable from original creditor showing proof of refusal thereof Please note that until you provide me with this information, I dispute the validity of this debt and request that you cease all collection activity. Additionally, you are to remove any negative reporting regarding this alleged debt from all consumer reporting agencies including any third party consumer reporting agencies until such time as you have provided me with the requested information.

THIS DOES NOT MEET THE ( FCRA ) Thank you for your cooperation in this matter. 

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 explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 the blocking of the erroneous information that is being posted to my report.

Here is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe the debt, they have sent a collection letter. The collection letter has inconsistent information, they are claiming there is a way to dispute it online on their website. 

Their website does not have any way to dispute it and they do not pickup their phone. No one is available to speak on phone line.

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 2021-08-05
Company: Navient Solutions, LLC.
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 information incorrect

Complaint:
I paid a collections company to settle this account in XXXX. The account should have been closed with a XXXX  balance at that time. 


Somehow Navient reopened the collection process with the same account number that was previously settled. 

I have attached the original letter from the collection agency ; the payment history from Navient showing the amount of the settlement and a XXXX  balance in XXXX. Then in XXXX Navient began the collection process for the same account. You can't collect on a previously settled account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: FL
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3300.00} 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 explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: GA
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Went to the ATM drive through on XX/XX/23 XXXX ATM XXXX and withdrew {$300.00}. 
When the atm was loading and getting ready to dispense the money a message came up congratulating us on being with WF for 21 years. I turned to my mother to tell her we have been with Wells for 21 years when i heard the dispensing door open ( or so i thought ). I turned to grab the money but the dispensing door was closed. I looked around and nothing was on the floor and i was so close to the wall that no one could go and grab it, plus there was a car behind me so they would have noticed. I had turned my head for 5 seconds. In all honesty I never saw the dispensing door open or close I just heard a noise like it had open/close but I never actually saw it. I needed the money at that moment so i had to do a second withdraw from a different account and now I keep getting transactions declined because I need to replace the {$300.00} that I never got but was withdrawn from my account. WF has not reached out or provided an update on this case.

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 2020-01-20
Company: EQUIFAX, 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:
The credit reporting agency failed to provide verification for accounts that are on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Personal information incorrect

Complaint:
Ive sent my correct and current name address and employment. To the consumer reporting agencies. Ive provided proper copies of my drivers license. My social security card. And utilities bills. Last year. They still havent corrected my information. Which is violating my consumer law rights.

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 2022-04-14
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:
n accordance with the fair credit reporting act XXXX  account # XXXX has violated my right 15 U.S.C 1681 section 602 A states i have rhe right for privacy 15 U.S.C 1681 604 section A section 2 ; it also states a consumer reporting agency can not furnish account without my written instruction

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 2023-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit 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:
XXXX, XX/XX/XXXX To whom it may concern, Despite the US Post office showing a package being delivered, the gift sent to my friend on XX/XX/XXXX never arrived. The local mailman never brought it to her house and when the recipient went to her local post office to inquire about it with the tracking number issued by the US Post office she was made aware that the package had been received opened and damaged from the US Post office and that she could not retrieve it unless she paid {$42.00} of custom fees. 
It obviously did not make sense to pay for a package that had been opened and damaged and she requested the package to be returned to me. 
As of today XX/XX/XXXX the package was never delivered to its recipient nor returned to me, the sender. 
I paid {$26.00} with the Capital One credit card ending in XXXX and left this package under the responsibility of the US Post office to be delivered, not to be opened and probably eaten.

IMPORTANT : THE TRACKING WEBSITE WAS UPDATED TO SHOW THE PACKAGE AS " DELIVERED '' BUT THIS IS INACCURATE.

I asked the US Post office to refund me for the {$26.00} that this has cost me but they refused and are hiding under the entitled excuse that all sales are final which is neither legitimate nor valid as I was not informed of such a disposition upon shipping the package. The US Post office must be held accountable for their mediocre services. I have made a claim to be refunded but they closed it a few hours later under the excuse that the package had been delivered which is untrue as stated above.

A few weeks ago I disputed the {$26.00} transaction with Capital One but they unfairly sided with the Post Office. I have been a customer of the bank since XXXX and today I am in the challeging situation where I am fighting vs two big organisations as a anonymous individual who has no power to be refunded for a service paid that was never rendered. Please refund my card for {$26.00} and do not side with this incompetent and careless organization. 
If this matter is not promptly resolved and in my favor, I will have no other choices but to file a complaint with the XXXX XXXX XXXX and will proceed until I get refunded. Thank you in advance for your time and consideration. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently pulled my credit report and I noticed several inaccuracies in regards to my personal information. I mailed a letter addressing the inaccurate information this past Wednesday, XX/XX/2023 certified mail. I'm submitting this complaint simply as reassurance that it get corrected. You can find the letter attached within.

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 2022-11-01
Company: JPMORGAN CHASE & CO.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX, I posted my laptop for sale on XXXX XXXX XXXX for XXXX dollars. A person knocked me saying that he wanted to buy the laptop for XXXX dollars and he wanted to pay via XXXX. I gave him my XXXX  id. Immediately I got an email that he has sent me an amount of XXXX dollars and it looked like it came from XXXX exactly but it said it was pending for transaction and my account needs to be upgraded to a business account shortly and then I was sent another email saying that I need to pay the buyer XXXX dollars refund which I did and again I got similar mail from XXXX which is supposedly fraud that I need to send another XXXX dollars. Again I sent that amount and later I realized that this was the XXXX scam and yes I have been scammed and immediately on that day I contacted XXXX and my bank Chase Bank. They both told me that it was a scam not a fraud like I was the one authorizing the transaction so this is not a fraud and I will not be getting any refunds for this, I tried to contact everyone in this process but I did not get any help as I was the one who authorized this and also I didn't know the differences between fraud and scam. Hope you guys can do anything about this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Improper use of my credit. In accordance with the Fair Credit Reporting Act, this creditor violated my rights. Under 15US Code1681 Section 602, states : I have the right to privacy, 15USCode1681 Section 604A Section 2.It also states that a consumer reporting agency can not furnish a second account without my written instructions. Under 15USCode1666B, Creditors may not treat a payment on a credit card account, under an open a Consumer Credit Plan, as late for any purpose. 
This includes my XXXX XXXX, My Capital One ( Platinum ), Capital One ( Walmart ). Any that I may have missed, but posted on my credit report as late. Please clear this up. Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
o Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an issue I have encountered with the XXXX  XXXX XXXX XXXX I believe that the XXXX  XXXX XXXX has failed to report my recent payments accurately and has incorrectly charged me interest, which is adversely affecting my credit history and my account balance. 

The details of my complaint are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Account XXXX : XXXX XXXX. Payment Dates and Amounts : - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$200.00} - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$100.00} I made these payments to the XXXX XXXX XXXXXXXX on the specified dates and in the respective amounts, as documented by my bank statements and confirmations from my payment method. However, to my concern, these payments have not been reported to any of the major credit reporting agencies, including [ List the Credit Reporting Agencies, e.g., XXXX, XXXX, TransUnion ]. 

Furthermore, I have noticed that the XXXX  XXXX XXXX has incorrectly charged me interest on my account balance. At the time of payment, my outstanding balance should have been {$1000.00}, and I should have had no interest due. However, the department erroneously calculated my balance at {$1300.00}, including an incorrect interest charge. 

This failure to report my payments accurately and the incorrect interest charge are negatively impacting my credit score, financial standing, and the accuracy of my account balance. I have attempted to contact the XXXX XXXX XXXX multiple times to resolve these issues but have not received a satisfactory response or resolution. 

I believe that the XXXX XXXX XXXXXXXX has violated consumer protection laws and regulations by not reporting my payments accurately, and by incorrectly charging interest. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that the XXXX  XXXX XXXX XXXX XXXX its reporting obligations and corrects the interest charge. 

I am attaching copies of all relevant documentation, including proof of these payments, my account statements, and any correspondence with the XXXX  XXXX XXXX XXXX XXXX support my complaint. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress and resolution of my complaint.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: ME
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:
Experian will not remove XXXX account from my credit report. Its over XXXX XXXX XXXX. I want {$1000.00} because they just refuse to remove it.

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 2023-03-23
Company: DISCOVER BANK
State: NY
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 am writing to you on behalf of myself, regarding the unauthorized disclosure of my personal information to unaffiliated third parties without my knowledge or consent. It has come to my attention that your institution, Discover Bank, has reported my information to third parties without providing me with the required disclosures, as mandated by Federal Law.

As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, financial institutions such as yours are required by law to give customers three disclosures, including an opt-out notice. Upon careful review of all documents provided by your institution to me, I have found that none of these documents contained any of the required disclosures under 15 USC 6802 ( b ).

Accordingly, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law.

Company response to consumer: Closed with non-monetary relief