BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {$160.00} / XX/XX/2022

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 2020-12-26
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:
On XX/XX/XXXX, {$520.00}, The company place on my credit report without give me the rights to file criminal charges or dispute. I am a victim of identity theft and it shows the original creditor was XXXX XXXX. It also show it has been either sold to an Attorney and states false reporting of Remarks : AFFCTD BY NTRL/DCLRD DISASTR ; >PLACED FOR COLLECTION. I dont owe anyone bills and I was not given the Rights under the Fair Debt collection Law and it states it was paid on XX/XX/XXXX another false reporting and up for collection until XXXX. I Dont have bad credit and this company has violated my rights by just putting false information on the credit report to collect on an old account that was found to be identity theft. It was either sold to a third party which, if its an attorney 's office I will be filing with the XXXX XXXX XXXX XXXX for this deceive practice and false reporting. It states owned by an attorney collection agency with I will be filing as soon as I find out what Law firm has this account for reporting false information to the Credit Bureau along with Filing on XXXX XXXX with for a congressional hearing to investigate XXXX XXXX for stealing an account to a third party and having them account that are pass the statute of limitation for collection and them reporting false info to put on the credit report.. I also dont have an account number, name of Attorneys office that purchased the debt, phone number any other information to that Attorney office who put them on my credit report under false and misleading information. This attorneys office has violated the law and has put something on credit report without allowing me the right to dispute. This attorney has abused his or hers POWERS by putting info on the bureau that are OLD and passed the status of collection of 7 years and have put this on my credit until XXXX. IT '' S considered to be harassing of this attorney because I am listed on the credit bureau as a victim of fraud and I don't have any bad credit. I pay my bills and this can stop me from getting my STUDENT LOANS and have my Credit cards Closed. I don't knw how long this has been on the TransUnion, but I got info from Experian. This could explain why one of my XXXX XXXX  closed my account. The Attorneys office is considered to be hiding because I do not have any information to report to the XXXX XXXX XXXX to have them investigated as well. All it shows on the credit report as account number-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 2022-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I saw an unauthorized charge for {$270.00} to XXXX XXXX. I was at XXXX XXXX  that day but did not spend anything of this amount so I investigated on the XXXX XXXX  website and saw I was charged for a XXXX XXXX. 

I realized that when I clicked Check wait time for a ride that it charged my card on file for a premium XXXX XXXX, which I did not want. Furthermore, even if I did want it, it did not work ( screenshots attached ). I could not get ahold of anyone at XXXX XXXX  to reverse the charge so I reported the unauthorized charge to Capital One. 

Capital One issued a the temporary credit on XX/XX/XXXX. Their emails regarding the investigation did not provide any secure link for me to provide my screenshots or further information supporting the fact that the purchase of the XXXX XXXX unauthorized and, not a functional service even if I did want it. 

Capital One reversed the temporary credit on XX/XX/XXXX, still providing me with no means to provide my screenshots or information. When I attempted to provide my details by replying to the email, it bounced back undelivered. 

What is also very concerning is that they chose XX/XX/XXXX to reverse the credit, when my car payment, also through Capital One, is due on XX/XX/XXXX. Without the {$270.00} of funds in my account, my car payment will return and result in more fees for Capital One. This seems very strategic and an attempt to prey on low balance consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: NV
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:
My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.

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 2022-10-09
Company: Atlanticus Services Corporation
State: OH
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:
Account opened on XX/XX/2015. There is not date that I or the company even closed it credit limit was XXXX XXXX Balance I owe in XXXX XXXX Status is a charge off. Called company and asked them to remove this from my credit report since I owe nothing. Actions were not taken because the company sold my account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
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 fraud alerts or security freezes

Complaint:
Identify theft victim ; XXXX XXXX XXXX **Completely compromised Data breach- XXXX, XXXX, XXXX, and more. 
Identity theft SSN, Birth certificate, DL, Registration, Identity theft wallet I have submitted in writing and via telephone to all major 3 bureaus Experian, XXXX, and XXXX. XXXX, XXXX, XXXX, XXXX Issues as follow : 1. XXXX Failed to alert me of XXXX breach as I have been involved ( SSN, DL ), failed to add the requested Fraud alert, and security freeze. Resulting in more identity theft fraudulent activities. 
2. Experian added the security freeze successfully. Failed to add Fraud Alert. Resulting in having to purchase complete Identity theft membership out of pocket. 
3. XXXX failed to add security freeze as well as Fraud Alert.  Resulting in additional fraudulent activities. Having to purchase XXXX identity theft products for protection. 

Final results of not fully being protected by Consumer agencies who I relied on to prevent issues from arising as more activities add. Lack of protection has allowed more financial bariers to financial hardship HIGHER RISK, HIGHER INTEREST, VEHICLE REPOS, CYBER HACKING, HIGHER PREMIUMS, & Higher Deductibles /downpayment rates.

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 2023-07-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
After reviewing my updated report from the first dispute on the validity of an account i sent, i see that the inaccuracy is still listed on my account. This account is violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Equifax discloses to me all of the documents that they have recorded and retained in their file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that they have in their files that were used to verify them.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that they have on file for the account listed within 30 days of receipt of this letter then they must remove these accounts from my credit report.

They said that they have reinvestigated the accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have received letters/emails from several companies stating that they have denied my application. 

XXXX. XXXX XXXX XXXX XXXX for XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
XXXX. XXXX  XXXX for XXXX XXXX XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
XXXX. XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/XXXX email. 
XXXX. XXXX dated XX/XX/XXXX email. 
XXXX. XXXX XX/XX/XXXX email. 

I have notified all of these companies as FRAUD. These have all be denied or cancelled. The one for XXXX  XXXX was a Hard inquiry through Experian. They also have been notfied. I have changed most all of my passwords for various accounts.

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 2020-01-30
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payments reported for XXXX and XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

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 2023-09-24
Company: Experian Information Solutions Inc.
State: NY
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2022-10-09
Company: Experian Information Solutions Inc.
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:
I make a call to these companies because personal information is on my consumer report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer 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 2022-10-09
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:
I sent letters off to each bureau on XX/XX/2022. Here are my tracking numbers : # XXXX, # XXXX, # XXXX. I sent these to remove personal information that does not belong on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution should share my information to third party entities or individuals. 

These are clear violation of my federally protected consumer 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 non-monetary relief
Consumer complaint received 2019-04-05
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
In the first week of XX/XX/2019 Bluebird by American Express ( Amex prepaid card service ) informed me that they would be closing my account and they mailed me a paper check for XXXX dollars. A few days later i lost the psper check and called the mid XXXX to ask if they could void that check and reissue one. The first time i called customer service transferred me to " account protection '' which then hung up on me. I tried again the next day in mid XXXX and spoke to a woman in account protection who told me she had to send my request to the " back office '' and that i should get an email telling me the next steps to take but that she could not give me any kind of time line for this process. 
It has now been almost one month since that phone call and i have not received any emails or any further communication from Bluebird by American Express. 
I sent their headquarters a written request, i filed s complaint with the MN attorney general and i filed a complaint with the XXXX. The attorney general told me to file a complsint with this agency as well. 
So far i hsve not heard of any responses by the company to either the Attorney General or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Fifth Third Bank debited my account an amount that was almost double what they were authorized to debit to pay for an insurance policy.

They asked me to provide proof of insurance coverage on XX/XX/XXXX and I submitted on XX/XX/XXXX that proof of coverage.

On XX/XX/XXXX I saw that the amount debited from my account was around {$950.00} whereas my monthly payment was around {$540.00}.

When I called in they said they had received the proof of coverage but that the loss payee was incorrectly listed as " XXXX XXXX XXXX XXXX ''. That is correct, the proof of coverage I provided had this clerical error on it. However, no one from the bank contacted me to inform me that the proof of coverage was defective. Instead, they purchased a new policy for me at a cost of {$3500.00} and began billing me for it.

I'm concerned about a few things in this situation.

First, I believe that Fifth Third may be in violation of the EFTA regulations regarding pre-authorized electronic funds transfers. Per 12 CFR 1005.10 ( d ), " When a preauthorized electronic fund transfer from the consumer 's account will vary in amount from the previous transfer under the same authorization or from the preauthorized amount, the designated payee or the financial institution shall send the consumer written notice of the amount and date of the transfer at least 10 days before the scheduled date of transfer. '' I never received any notice about the roughly {$400.00} increase in my monthly payment.

Secondly, the bank 's failure to notify me of the fact that they deemed my proof of coverage defective seems convenient. I haven't done legal research to determine what statute or regulation this runs afoul of, but this particular practice seems like a fraud. When I bought the policy from XXXX XXXX, I believe it is XXXX XXXX 's practice to notify the lienholder of the existence of the policy. I don't know yet whether XXXX XXXX  did that. But, I provided Fifth Third with proof of coverage, like they asked for, and they did not seek to contact me or XXXX XXXX after determining the coverage had a clerical error on it. This is wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern, I am a victim of identity theft a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

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 2021-03-12
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ocwen violated hamp incentive program. 
XX/XX/XXXX we should have received XXXX  principal curtailment for timely XXXX payments 1 ) letter dated XX/XX/XXXX classified this hamp program as a recast offer 2 ) letter dated XX/XX/XXXX stated our XXXX payments were not timely 3 ) letter dated XX/XX/XXXX stated it was a hamp tier 2 program. 
This lender has been nothing but deceptive giving false statements or facts due to their violations. 
Supposedly lender credited us XX/XX/XXXX but reversed it mid XXXX. 
Since we dont receive statements on our account I dont know if they credited this XXXX back to principal. 
They violated the hamp program under the false claim act, which borrowers received 3 times the award plus punitive damages of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had this loan for the past couple years with no issues on payments being received or bills reaching me. My loan is near pay off and I have had several issues with checks I have sent in not reaching the bank and never being cashed, bills not being sent to me and fee 's being assessed for each of these issues. The bank admitted billing issues at the beginning of the 2022 year and indicated that bills were not going out correctly. I have called multiple times to dispute the bills not arriving to me as well as my checks that have never been received. They have had no problem charging me late fee 's but have not addressed any of my issues. I feel this is a blatant attempt to drive up their profits by getting extra fees from customers, especially at the tail end of the loan period when they will expire.

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