BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased window decals from XXXX for the amount of {$210.00}. When I received the decals they were not the way that I ordered them, I ordered them inside window ( I have attached an email that I sent to their design team to that effect ) I am not able to use them because they were sent as standard ( outside window ). That means I would have to place them on the outside of my window and they could be easily taken down by anyone walking by my office window. In front of my office is a bus stop where people stand waiting for the City bus. I would not order window decals for outside windows. I tried to fix the problem with XXXX but they have been uncooperative. I asked to have the decals redone. It was difficult to contact XXXX by phone so communicate was done via email. The Representatives werent helpful and really wasnt interested in resolving the problem. Signs.com have my money and I have an unusable product. I have since been informed by XXXX that it is too late to replace the signs. Thanks to Capital One, XXXX has my money and I have nothing usable. This is my six complaint. Capital One gives me refunds and after the complaint is closed they add the charge back to my card. Its like fraud to me. And they are siding with XXXX instead of the customer. The product that I received was printed on the wrong side and I cant use it. I will submit a complaint every other day until my money is refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My information with equifax has been breached. The proof is attached. They refuse to remove the accounts so please remove from my credit report immediately as I was a victim of this data breach. 

XXXX XXXX XXXX ( XXXXXXXX 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 Along with the 30 hard inquires that are being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Transunion, I just found out about a collection or account that I had previously contested and had taken off my credit report. I don't recognize this account, which is why. It has been brought to your attention on multiple occasions, and I have provided evidence, including a Federal Trade Commission identity theft report and a police incident report that was submitted with my neighborhood county police station. It has repeatedly been readded without my knowledge or written agreement to my TransUnion credit file, and I have never received formal notification of the reinsertion in the mail after the reinsertion. It's possible that the Fair Credit Reporting Act wasn't followed in this situation. You previously looked into this account and deleted it as a result of your own research, which showed that this collection account had been erroneously reported. I have the findings of your agency 's investigation, which indicate that the account was removed from my credit report because it was deemed to be false, erroneous, or unverifiable. The investigation 's results were also included with my earlier Transunion complaint that I filed with the Consumer Protection Financial Bureau. The other two major credit reporting agencies likewise deleted this account, but your agency restored it. Section 611 of the Fair Credit Reporting Act requires your agency to have reasonable procedures in place to prevent previously disputed tradelines from reappearing on a consumer 's credit report. Additionally, consumer reporting companies covered by the Fair Credit Reporting Act are required to implement reasonable measures to guarantee the highest level of accuracy. If you believe that this report is accurate, I need senior member adviser at Transunion Holding Company to provide me with a written statement that certifies this account as accurate under penalty of perjury. If not, kindly do a prompt review of this account/collection and immediately remove the item from my credit report. Thank you. 

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've been a victim of identity theft and these fraudulent accounts and inquiries are still listed on my credit report. I reached out before and the credit bureaus are failing to remove all fraudulent accounts and inquiries. they are willingly breaking the law and infringing on my rights. my reputation is being ruined and I need these accounts and inquiries removed immediately because they do not belong to me and they are inaccurate as well

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 2022-12-03
Company: Experian Information Solutions Inc.
State: GA
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:
FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX CA XXXX FCRA Violation credit card not mine XXXX  XXXX XXXX XXXX FCRA Violation public record not mine 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 2022-02-17
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Problem with fraud alerts or security freezes

Complaint:
Guild Mortgage called me from XXXX today and had my personal information to ask me about a mortgage on a property. I do not now nor have I ever had a mortgage. I asked the representative his name and he gave me a fraudulent name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He also threatened to kill me. We exchanged insults until he hung up. This company has my PERSONAL information and let 's thier employees threaten people who aren't even thier customers. They should be shut down. Who knows what other fraudulent activities they have going on with people 's personal information and threatening to kill me is not a light matter. I tried calling back but it goes to an answering system for the co.pany

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 explanation
Consumer complaint received 2022-02-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have no knowledge of these collection accounts and I didnt authorize nor sign any documents and its messing my credit report up and I cant get approved for credit I have a great payment history never late and I ask it be removed per fair credit act the dates arent recognizable and the amounts dont match up to anything I would apply for please show me proof with my signature on or please remove off my credit report either show proof or I would contact my attorney and file a lawsuit against you for false information on my credit report I take no responsibility for any of these collections account on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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. The List of accounts below has violated my foderaly protected consumer rights to privacy and confidentialily under 15 USC 1681.

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

| 15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writien instructions | 15 U.S.C 1681c. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse lom of informetion, other than records of convictions af crimes which antodates the report by more than seven years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX higher education 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 2022-02-17
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A was looking a house for rent and one appear in XXXX, I call the phone number that was on the advertisement, nobody answer to me only they communicate with me via text message from the phone number XXXX and tell me that if i been interested in the house send {$350.00} via mobile ath of the popular bank XXXX XXXX XXXX.I send the money to other phone number that was the one he text me because he will send the keys when he receive the money, but it never do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Colony Brands, Inc.
State: NJ
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:
This is a recurring issue with XXXX XXXX and credit reports. Previous report XXXX they state the account is, and has been, always current. They blame the credit reporting company, the credit report agency blames XXXX. This is the XXXX time reporting this issue. XXXX is now again showing late payments for this account- there have never been late payments ( again refer to comments from XXXX on XXXX ). However the issue continues to recur with it reporting incorrect. XXXX time is a mistake, XXXX times is willful misrepresentation of data which directly impacts my credit and the agencies need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/XXXX XXXX XXXX XXXX started reporting on my Experian credit profile. I have never received a letter or originating documents with any viable evidence bearing my signature. 
Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Reresulted in the deletion of the account for XXXX XXXX XXXX On XX/XX/XXXX XXXX soft inquiries from XXXX XXXX XXXX were deleted from my credit profile In XX/XX/XXXX I received an alert via Experian that my account has been flagged with a collections account listed for {$4100.00} from XXXX XXXX XXXX XXXX I was not notified nor did I receive a letter in the mail from Experian or XXXX XXXX about the reinsertion of the alleged debt. I have sent numerous debt verification letters via certified mail to Experian on XX/XX/XXXX and XX/XX/XXXX and have not received any response.

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 2023-12-02
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Many months ago I created a paypal fundraiser https : XXXX as soon as I have received donations my account was frozen and paypal send an email that I can get my funds in 120 days! THE TIME IS OVER! UNTILL TODAY I CANT WITHDRAW MY FUNDS I GET AN ERROR SAYING THERE IS NOTHING TO WITHDRAW!!!!! THEY STOLE THOUSANDS OF DOLLARS FROM ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX, ( XXXX ) XX/XX/1989 HAVE SENT MUTIPLE FAX REGARDING THE INCONSISTIES WITH MY BIRTHDAY AND ADDRESS, IM REQUESTING THAT MY BIRTHDAY BE UPDATE TO XX/XX/1989 AND MY ADDRESS TO BE UPDATED WITH XXXX XXXX XXXX XXXX XXXX MI XXXX, I WILL LIKE TO VERIFY MY INDENITY WITH XXXX, TRANSUNION, XXXX WITH BOTH UPDATE ITEMS THANKS IN ADVANCE ... .ALSO XXXX XXXX XXXX XXXX MI XXXX SHOULD BE DELETED ....

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please be advised after careful review of my consumer report I have come across the following items on my consumer report. 
XXXXXXXX XXXX  Account # XXXX This account is currently reported as charged-off. 
This account exceeds the 600 dollar threshold, I was never sent a 1099c which is a CANCELATION OF DEBT which this account qualifies as realized earned income, which means the status of this account has changed. Furthermore with this account now being considered income this account no longer falls within the guidelines on the FCRA as debt and now must be removed from all credit reports in compliance with 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Delete This account IMMEDIATELY Failure to respond satisfactorily with the above late payments deleted from these referenced accounts and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n Signed 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 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 I was notified that my credit card account was closed on XX/XX/2023. I never received any notice that my account was actually closed and it was 148 days overdue.

I spoke with multiple representatives who stated that the account was 90 days overdue and suspended and I only need to make 2 payments to bring my account current. I received a notice that that said make a payment before closure. 

I never received a notice stating that the account was closed. The representative I spoke to in XXXX never stated the account was closed and that I had to call back to make this month payment. I requested that the account be re-instated because the creditor was providing misleading and false information. I have been trying to get my accounts current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not consent to authorize nor benefit from the listed account ( s ). Block and Remove

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 2022-02-18
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: Account information incorrect

Complaint:
I have had ongoing issues with the Office of the Attorney General of Texas correctly processing my payments in a timely manor. I have repeatedly tried to contact my local office and have requested multiple calls back, and e-mails but have had no one contact me to resolve the issue. Due to the OAGs office not correctly crediting my account, it was reported that I was delinquent on child support in the months of XXXX, XXXX, and XXXX to the credit bureaus. This was completely untrue. I then reached out to the reporting agencies to attempt to repair my credit, but have been denied by Experian. I supplied Experian with documentation showing all the support payments that were made, corresponding withdrawals, check stubs with deductions so there is no reason that my claim should have been denied.

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