BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 XXXX XXXX  and Capital One has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USc 1681 section 604a section 2 also states that consumer reporter agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat payment on a credit card under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Office Name DRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account ( 1 ) # XXXX High Balance {$1200.00} Date Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Account ( 2 ) # XXXX Date Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX I Called to this Office they don't have any information about account and told me is since XXXX and never do action about that. 
this account appears double DRS told me is a copy was a mistake Its clear they are braking my Rights and use their tools to damage my personal information they use this attack against XXXX american people Because they use the law and leagl tricks to pressure and win money or stolen money from our community XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$270.00}

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 2023-06-21
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have complaint that was closed Mr Cooper has destroyed! my XXXX check or lost it between the time I called on XX/XX/XXXX covid informing that they had received my certified letter containing my certified checks one for XXXX from XXXX XXXX XXXX XXXX and one certified check from XXXX XXXX for XXXX I was told on the phone that it was received at XXXXXXXX XXXX in XXXX, TX but that I owed XXXX in escrow shortage witch I played the person on the phone told me to turn off auto pay so they couldn't take a payment out when I e d that the statement said I owed XXXX dollars a week later I got a statement in the mail witch the never send since I have an online account starting I only played XXXX and they applied it to the account I called they denied getting the XXXX check they suggested that I call and cancel the check witch I did and the bank told me that it will take 90 days to do that meanwhile for 3 months they will charge me interest and continue to charge me mortgage payments I am XXXX XXXX XXXX and I think they are taking advantage of old people who want the security of paying off their home the woman I spoke to on the XXXX of XXXX congratulated me on doin that and now here I am paying interest on a loan I was told was payer off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed complaint number XXXX on the CFPB website on XX/XX/ in reference to inaccurate information i saw on my credit file. I have attempted to address the inaccuracy numerous times with Trans Union. Because this company receives monetary gain from the negative information on my file Trans Union refuses to acknowledge the document I received from a government source that substantiates the claims that this account is paid in full. Trans Union has admitted to not investigating nor reinvestigating the information and to carelessly allowing me harm to my financial standing. Trans Union has updated dates and other information related to the account but not the paid in full status. I am continuously held XXXX by Trans Unions lack and protection of my intimate relationships.

Company response to consumer: In progress
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I started my debt dispute journey by sending a certified letter to all three agencies, TransUnion, XXXX and XXXX on XX/XX/XXXX. I looked on XX/XX/XXXX to see they put my new name but kept my old as also known as. In my letter I said I wanted them to replace my name and remove all versions of the old and listed the old in every way they had it listed, this was court ordered due to XXXX XXXX. I also asked that they remove all addresses on file and use only my correct safe at home address given to me by the secretary of state program, XXXX XXXX XXXX. Under three law they have to use the XXXX XXXX as my physical address, they did not. I also stated my only phone number and remove all old, they did not. I sent another certified letter in second request form to fix it. On XX/XX/XXXX They refused. I can't move forward with disputing things on file until this is completed. In these I included clear printouts of my current non expired Minnesota state ID, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX social security card and Court order.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-01-16
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony closed my account without notice. The account was not in bad standing. All payments were and are being paid. There was no reason to close my account and destroy my credit

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2023-01-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was repeatedly overcharged with maintenance fees and overdraft fees.

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 2023-11-03
Company: JPMORGAN CHASE & CO.
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 XX/XX/XXXX a charge was made to XXXX using my XXXX XXXX account. Upon learning about the charge, we immediately called the bank. We were told a new debit card would be sent and we were to destroy the old one, which we did. We waiting and the card never came to our address. The bank out the money back in. We called the wire line and filed a complaint, nothing has come of that. 

Then, on XXXX, my sons account was drained at ATMs and XXXX in the XXXX are. This time I called the bank and we went in. When we went in, the banker showed us the card and the directions to reset the pin was sent to an address in XXXX that we have never seen before, and we live in XXXX. My son was with us in XXXX. We were told not to worry they closed his old account opened a new one and replaced the money. They said there would be an investigation, but that it was obviously not him. By now I had called the bank several times over, and heard many different stories. Some CSR would not talk to me because this was my sons account ( who is a XXXX ). 

Then on XX/XX/XXXX, the bank removed {$400.00} from my sons account. When I called in, they said the first case was closed and it looks like my son took the money. We went round and round, I talked to another person, I went into the bank, and finally called again and told someone this is fishy. The card was sent to an address that is not ours. She asked if I could prove he was not is XXXX. So on XXXX  I sent over his school attendance records, the police report, and explained why I was reaching out again. 
Just last week, I received a message from the bank asking what this is in reference to, and for more information. 

I feel like this bank has someone on the inside that purposely goes after these XXXX because they are XXXX  and wont fight back. The thing is, he worked all XXXX for that money. And to be given the runaround is so much more than frustrating. When we set up the account with the banker, we specifically asked for help securing his account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

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

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 2023-06-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am a senior citizen on a fixed income. Fifth Third Bank, acting through its sham conduit XXXX XXXX has opened an unauthorized account in my name and is trying to make me pay for a product and service that I did not authorize. I employed a lawyer to resolve this matter and FifthThirdXXXX refuses to provide any evidence that I ever obligated myself to them. They are intentionally damaging my excellent credit rating by falsely reporting me as delinquent and refuse to desist. Their actions are deliberate, fraudulent and Deceptive. Please open an investigation and contact me if you require further information or details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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:
I contacted Experian and XXXX XXXX XXXX because on my credit report Im showed as an authorized user on Experian with a balance that is showing at XXXX %. I dont have said account. I have contacted them numerous times. XXXX XXXX says they have no record with the account attached to my name. That they are happy to clear it up with Experian immediately. I need this to deleted off my report immediately.

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 2017-02-27
Company: VNU Group, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Dear BCFP Complaints Department. 

This is a complex situation. 

I did try to resolve this with the vendor. They went completely non-responsive for a long time. 

I appealed to The State of California Department of Business Oversight and I was assisted up to point of action against the vendor and that help was in progress with ATTY XXXX with CA XXXX in XXXX. In the end, after a long period of not hearing of any progress, Ms. XXXX wrote me to inform that the matter was outside of CA XXXX Jurisdiction. I found that confusing. 

I need some help. 

I returned the product. I deem the Lease Agreement now cancelled. 

In due course, now that I know the product has been received via insured delivery confirmation, I will write, as appropriate to all the Major Credit Reporting Bureaus in an effort to have the truth of the matter is understood before the vendor takes any action against me. 

XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting a XXXX XXXX filing on my credit report Ive never filed a XXXX  XXXX I started the process and it was withdrawn from the Bankruptcy CASE # XXXX was never finalized in United States Bankruptcy and it was Withdrawn.Yet Transunion is still reporting this error on my credit according FCRA THIS PUBLIC RECORD SHOULD HAVE BEEN REMOVED WITHIN 30 DAYS AND THIS HAS DRAGGED ON FOR OVER A YEAR.

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 2018-05-16
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: Information belongs to someone else

Complaint:
XXXX XXXX shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Was not notified of investigation status or results

Complaint:
XXXX TRANSUNION XXXX XXXX ( XXXX ) XXXX XXXX XXXX bought my debt and also since reopening this account on my credit report the the balance increased.Wviolation under 15 US CODE 1692c ( 2 XXXX XXXX XXXX XXXX XXXX did not have my authorization to run my credit ( XXXX ) XXXX XXXX XXXX Did not have my authority to run my credit. 

( XXXX ) XXXX XXXX XXXX  did not have my authorization to run my credit. 

( XXXX ) XXXX XXXX Did not have my authorization to run my credit. 

( XXXX ) XXXX XXXX did not have my authorization to run my credit. 

( XXXX ) XXXX XXXX XXXX was not authorized by me to run my credit

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 2023-06-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt Collection Company Claimed That I owed an alleged debt from a Car Insurance Company. The Debt Collector submitted collection accusations onto the XXXX Credit Bureaus : XXXX, XXXX XXXX XXXX XXXX  damaging my personal-Credit Rating ( which the Bureaus aren't authorized to exist by law see 15 USC 1681, nor do they have my written consent to post ANY of my personal information on ANY public-website ) and violating Two Acts of Congress : The Fair Debt Collection Practices Act ( F.D.C.P.A. ) & The FAIR CREDIT REPORTING ACT ( F.C.R.A. ). I don't know this company and don't have a contract with this company. I sent this company my dispute dated XX/XX/2021 to remove all harmful violations of the F.C.R.A from the Credit Bureau 's and submitted my Invoice for the several violations as required by the Federal Laws that they violated by this action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation