BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I went into my account on XXXX to process my payment prior to the due date of XX/XX/XXXX. In an attempt to process the same day. The system would not allow for a payment to be scheduled until XX/XX/XXXX!! This making my payment over 30 days delinquent and I do not want or need an over 30 on my credit report. There should not have been any reason that I can't make a payment 24 hours a day 7 days a week on the internet and schedule it the day of. 
Even if they have a cut off I still should have been able to schedule the payment for XX/XX/XXXX This is not right and as a consumer I should not have an over 30 mark. 

This is the second time that I have become a victim to this with capital one. When I received an extension when COVID 19 hit I processed the extension and they still have an over 30 on by bureau from that time frame when I processed the extension well before my due date I need both of these marks removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am requesting that it will be removed from my credit report as soon as possible.

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: Experian Information Solutions Inc.
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:
Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. 

I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections.

My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. 

I have tried credit repair bureaus and have sent numerous documents to all three credit reporting bureaus that included-in the case of XXXX  XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.

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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Sure, I can help you with that. Here 's a sample credit report complaint to the Consumer Financial Protection Bureau ( CFPB ) : Dear CFPB, I am writing to file a complaint about the credit reporting practices of the major credit bureaus. 

On multiple occasions, I have attempted to reach out to the credit bureaus to dispute errors on my credit report, but my attempts have been met with indifference and a lack of response. 

As a responsible consumer, it is important that my credit report accurately reflect my credit history. Yet, despite my efforts to correct errors, inaccurate information remains on my report. This has caused significant harm to my credit score, limiting my ability to obtain credit and other financial opportunities. 

I urge the CFPB to take action against the credit bureaus and ensure that they comply with federal laws governing credit reporting. Specifically, I request that the CFPB investigate the practices of the credit bureaus and hold them accountable for any violations. 

I appreciate your attention to this matter and look forward to your response. 

Sincerely, 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 2021-08-11
Company: Automated Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Automated Collection Services would not validate an alleged debt and did not cease collections attempts. Continued to communicate in regards to the alleged debt after being asked to cease all communications. Then ACSI listed the account as accurate and disputed with no validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
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: 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 explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been trying since XX/XX/XXXX to dispute a XXXX which turns into XXXX  for collections on my credit file. I have never heard correspondence from Transunion or XXXX about validation of debt and they continue to dispute this incorrectly. I have contact XXXX, because XXXX is so old it was bought out by another carrier years ago. XXXX even said they can not validate the debt because XXXX  is no longer in business. This account is from early XXXX. I know this because that is when I cancelled services with them. Transunion and XXXX have been nothing but rude and unwilling to fix the incorrect reporting on my credit file. Even the collection agency stated this should not be on my credit report anymore but said I must dispute through Transunion and 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 2019-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX and XX/XX/2019 this debt was disputed through XXXX, XXXX, and XXXX. The company was also mailed a written letter asking to vaildate the debt with proper documentation and proof. Instead, the company continue to report the debt as unpaid to the credit bureaus. I received a credit card statement from this company in XX/XX/2019 which does not constitute as proper documentation that I owe this debt. The company has failed to provide me accurate proof. Instead I was sent some bogus charges on a piece of paper that was not accurate. I will continue to dispute this debt until the company can provide me the proper documentation required by law. They continue to report this debt to my reports causing serious damage without attempting to collect this debt in writing or by phone prior to reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
Regardless of the multiple written requests, the unverified public record listed below is still reporting on my Transunion credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove them immediately. 

XXXX XXXX Bankruptcy Date Filed/Reported XXXX XXXX Reference # XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported XXXX XXXX Reference # XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOV ASSOC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Adjust and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am writing with respect to an unauthorized fraudulent charge on my Chase Sapphire credit card ending in XXXX ( formerly account ending in XXXX ). 

On or about XX/XX/2023, I was traveling to XXXX, XXXX and unbeknownst to me a taxi driver made an unauthorized charge on this account in the sum of {$5100.00}. Both myself and my traveling partner XXXX XXXX XXXX discovered that we were charged the same amount. Both our credit cards cards were scanned illegally by a taxi driver while we had them out of our wallets so the driver could see if they would work to pay a {$60.00} cab fare. None of our credit cards would work so I went to an ATM and withdraw enough XXXX XXXX  to pay the taxi driver in cash. Shortly after the taxi cab driver left, we both received notifications on our phones. I received a message from XXXX XXXX that there was a charge on it by XXXX XXXX XXXX for {$5100.00}. I contacted XXXX XXXX and they immediately reversed this fraudulent charge. I then checked my Chase Sapphire card and the very same amount of {$5100.00} by the same company had been placed on my Chase credit card ending in XXXX. I contacted Chase and was told that this would be resolved immediately. 

On XX/XX/2023 I received a letter from Chase stating they reversed this credit and that the transaction is valid. In addition to me being charged this fraudulent charge by XXXX XXXX XXXX in the amount of {$5100.00}, XXXX XXXX also had this exact same charge on his Chase Sapphire credit card. As a result, this fraudulent charge was made XXXX times on XXXX different cards, XXXX of which are Chase Sapphire credit cards. It is my understanding that Chase has reversed XXXX XXXX fraudulent charge, but they have not reversed the fraudulent charge on my Chase Sapphire credit card. I never authorized this transaction, nor was it authorized by anyone who was an authorized user of this account. Although I still had the credit card in my possession, the credit card number was fraudulently absconded by the taxi driver in XXXX. On XX/XX/2023 I received a letter from Chase asking me to complete a Dispute Report Form. This Dispute Report Form was completed and sent to Chase on XX/XX/2023. Then on XX/XX/2023 I received a letter from Chase stating that " the transactions you disputed are valid. '' My late wife and I were Chase private client members and after my wife passed away, I have continued to maintain my elite member status with Chase. In the meantime, I have paid the minimum monthly payments on this credit card. 


I am hereby asking for your assistance in getting Chase to reverse this fraudulent charge to my credit card immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 Fair Credit Reporting Act XXXX account XXXX XXXX XXXX XXXX, has violated my right 15 U.S.C 1681 scetion 602 A. States I have the right to privacy.

15 U.S.C 1681 scetion 604 A. Scetion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-22
Company: Affirm Holdings, Inc
State: NC
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 reports different dates under date of last payment. reporting this due to FCRA ( noncompliance of an accurate data being furnished on my consumer reports. Payment history is not reflected accurately on this account. No documentation sent that proves these payments were late so that I can determine if you are in fact, reporting this account accurately or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I REVIEWED MY CREDIT REPORT AND I NOTICED FEW ITEMS WHICH ARE NOT MINE. I HAD MY WALLET STOLEN, SO I BELIEVE, THAT I WAS VICTIM OF IDENTITY THEFT, I HAVE NEVER SIGH ANY AGREEMENTS WITH THESE COMPANIES,.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
So, since XXXX I have been trying to get this company not only to verify that these accounts belong to me, but also confirm they are accurate. Every month since I have repeatedly asked them to do an investigation into the legitimacy of these accounts as me and my son have the same name, and they continue to tell me that they are all verified as accurate and reporting correctly. Every month they send me templates telling me that what Im looking at is correct, when I can clearly see whats being reported is reporting incorrectly. It is now XX/XX/XXXX and the same accounts have not been proven verified, as I have requested proof of method of verification and again nothing. 
Obviously, a violation of section 623 that you continue to violate! 
I have attached my most recent credit report as of XX/XX/XXXX and all my other credit reports from the last 4 months. I have also attached all the accounts listed with erroneous errors that need deleted for this reason. 
My credit is being destroyed because this company will not do its job! 
Im REQUESTING the following! 
I would like the CFPB to look into the situation with this company and have the listed accounts removed for incorrect reporting and failure to comply with section 623. 
I would compensation of {$1000.00} for each violation found on every account. 
I want my personal information to read as XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XX/XX/XXXX as birthday, and XXXX XXXX XXXX XXXX place of work. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX please remove these 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 2023-11-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : CONSUMER COMPLAINT XXXX XXXX XXXX, and subsidiaries, Acct No. XXXX THE PEOPLE v. SANTNDER, CONSUMER USA ; ruling in favor of the Plaintiff ; Santander lost the class action suit and is non-compliant to federal court settlement as follows : MONETARY RELIEF 10. XXXX shall provide additional Consumer relief as follows : ( l ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding XXXX balance for all Consumers who had a loss forecasting score of XXXX or less and. as of XX/XX/XXXX. XXXX have Defaulted but have not had their vehicle repossessed and ( XXXX ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for any Consumer with a loss forecasting score of XXXX or less who defaults in the future. 
XXXX. XXXX shall provide notice to each CRA to which XXXX reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief Per12 CFR 1022 " Fair Credit Reporting ( Regulation V ), I have provided copy of the settlement and court rulling to demonstrate to Experian may no longer allow XXXX to file negative reports on my credit report. XXXX was mandatd by federal court to : ( XXXX ) waive 100 % of the total debt ; ( XXXX ) Discontinue reports to Experian, XXXX, and XXXX XXXX XXXX XXXX ( CRAs ) ; ( XXXX ) Provide title to the car. 

I have submitted a dispute and copy of settlement with the CRA 's to discontinue negative reports on my credit. Experian has refused to discontinue unfair and inaccurate infomation and would not provide written exlpanation.

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 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
BANK OF AMERICA IS CHARGING ONGOING FEE 'S AND LATE CHARGES AND WILL NOT WORK WITH ME FOR FINANCIAL ASSISTANCE. I HAVE BEEN SICK SINCE XX/XX/2021 AND I HAVE CALLED TO STOP THE BLEEDING. THEY ARE CHARGING ME AN ABSURD AMOUNT OF OVER {$220.00} A MONTH. I HAVE CALLED AND CALLED AND THEY REFUSE TO HELP ME IN COLLECTION, MOREOVER THEY ARE DOUBLE CHARGING ME ON ALL OF THESE FEES. THE ACCOUNT IS 6 MONTHS PAST DUE. THEY RESET THE ACCOUNT TO REFLECT IT ; S 2 MONTHS OLD.

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