BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Business checking account with Capital One was closed in person at the branch 3 times and automatically reopened by Capital One due to vendor refunds. 
* Account closed in person XX/XX/2022. XXXX remaining amount of {$140.00}. 
*Account reopened by Capital One XX/XX/2022 due to XXXX refund to account in the amount of {$69.00}. No notification sent regarding reopening of account. A maintenance charge of {$15.00} incurred XX/XX/2022. 
* Account closed again in person on XX/XX/2022. Withdrew {$54.00} from account after {$15.00} maintenance fee deducted. 
*Letter received dated XXXX XXXX, 2022 from Capital One stating account has been closed. 
XXXX XXXX Capital One reopened account again for a XXXX cent vendor refund. Again no notification sent after 3 1/2 months of account being closed that the account was reopened. 
*XXXX XXXX XXXX closed Capital One account again in person. Received XXXX cents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-05-17
Company: Data and Contact Management Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXXXXXX XXXXXXXX  was notified in writing that my mother had passed and included was a copy of her death certificate and a copy of the death certificate was also hand delivered to the local branch where my mom also had a checking account. XXXXXXXX XXXX continued sending threatening letters to a dead person adding additional finance charges, late fees etc. Then XXXX XXXX turned over the debt to DCM Collection Services. Upon receiving the notice from DCM, I responded that the amount they were trying to collect was incorrect and there was no monies remaining in the estate ( at the time there was none, recently I was made aware that additional monies will be coming to the estate ). DCM sent another letter address to me with a notarized document giving the appearance that the document came from XXXX XXXX Court of the State of New York - XXXX XXXX. This is a fake document as this is out of XXXX XXXX 's jurisdiction ; my mom died in XXXX XXXX. Additionally, I called XXXX XXXX - XXXX XXXX and the representative I spoke to confirmed the file number DCM referred to was not from XXXX XXXX, their numbers don't start like the numbers provided and the representative informed me that XXXX XXXX XXXX would not send anything out on behalf of a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: EQUIFAX, 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:
I am a victim of Identity Theft. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX collections XXXX, XXXX XXXX, XXXX XXXX, all has Fraudulent accounts on my credit profile that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I called XXXX from the number on the back of my bill to inquire about the cost of cable. I spoke to a XXXX in customer service. I could not afford any of the quotes he gave me so he told me about XXXX XXXX that XXXX is in partnership with. They sell and bill for XXXX XXXX at {$65.00} per month. I said I would try it. He then said he would send me a link to set it up. I got the link and clicked on it. I hit a snag when it requested me to put in a code that they texted me. It did not work so I called the number on the setup page that said for technical assistance, call XXXX. A man answered the phone XXXX XXXX technical assistance, how may I help you. I told him what happened and he said he would walk me through the setup process. He said his name was XXXX and was located in Texas. He got the setup done and told me I had to send in {$1.00} activation fee ( which is stated on the website ) so I went into my bank account and as I started to ask where am I sending it to, I saw my bank account get wiped out during three consecutive withdrawals. I said hey where did my money go?, he was gone! After that, I got a text from my bank XXXX XXXX XXXX asking if I approved those three withdrawals, I pressed N for no and saw that it went to Y for yes. I pressed N again and again it went to Y. Then I got a text from my bank saying Hello, its XXXX Fraud Prevention, did you just use your card ending in # # # # for {$530.00} from XXXX XXXX? I told them I did not authorize the transaction and I then I received a text message that said It is important we talk to you. Call the number on the back of your card. I then called and put in a fraud report with XXXX. As of XX/XX/2021, I have not heard back from XXXX. On Friday XX/XX/2021 I went into the physical branch of XXXX to get a letter I needed. I was telling the man what happened and he called the Fraud Dept and they told him my claim had been denied because they said I had authorized the withdrawals. I sat in that bank and cried my eyes out as I was now out my entire savings and XXXX was not accepting my claim. My whole life savings was now gone. I am a senior citizen living on Social Security. I had just received my Social Security payment and that was gone also. I am now left with {$0.00} and can not pay my rent for the month of XXXX and can not pay my utilities or any other bills. I called every resource agency in my area to get rent help but have gotten nowhere there either. 

Note : I reported this scam to my local police department, XXXX, XXXX XXXX and XXXX through phone calls and emails.

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 2022-12-12
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: Investigation took more than 30 days

Complaint:
Ive disputed accounts with XXXX, XXXX, and TransUnion dated back on XX/XX/2022. According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results and to record the current status of the disputed information in which they did not which is a violation I have the evidence below for the following accounts. XXXX XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct  # 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 2022-09-28
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX  XXXX XXXX  XXXX Date Opened XX/XX/2018 Balance : {$530.00}

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 non-monetary relief
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-06-05
Company: Firstsource Business Process Services, LLC
State: MI
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 lost my job and my family was Evicted from XXXX XXXX XXXX I forgot about credit card because of homelessness.Landlord Said my mail should be sent somewhere else I am in XXXX now seeking employment living I a shelter.I was and still unable to pay I think it said XXXX XXXX when I was employed I paid bit how can someone pay any bills with out and job or a home to live in?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item/account/information below : XXXX  XXXX Date Opened XXXX XX/XX/2017 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-05-16
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:
see attachment XXXX late payment with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an educational installment account that has become a collections item and is significantly impacting my credit report. This collections account is identified as " XXXX XXXX XXXX. '' The presence of this account on my credit report has caused substantial financial and personal distress, limiting my ability to achieve my financial goals and secure funding. 

I became aware of the collections account " XXXX XXXX XXXX '' when I reviewed my credit report. This account had a profoundly negative impact on my credit score, and I have no prior knowledge of its existence. The account 's presence has made it extremely challenging for me to obtain financing on favorable terms, pursue my educational and career goals, and secure funding for various personal and professional endeavors.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The last report I filed which was closed without any results XXXX, I am still waiting for the response from XXXX containing the ORIGINAL paperwork from XXXX XXXX that I signed holding me responsible for this charge, I do not have any current balance with the XXXX Hospital that I was tooken too, all my imaging was done at XXXX. XXXX did not inform me that XXXX XXXX would be the company too interpret the results of my Imaging reports. My insurance company has tried too contact XXXX XXXX also with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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:
I already made a dispute about a Credit Card on XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/2017. I never had a credit card with XXXX XXXX XXXX. XXXX states that all information it`s accurate. But it`s not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX  XXXX. Please delete these accounts 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 2021-05-16
Company: Winklevoss Exchange LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I created an account with Gemini app on XX/XX/2021. A part of the process involves submission of a passport or drivers license to verify my ID. I submitted this information, deposited funds and bought some cryptocurrency. Gemini accepted my money, allowed me to purchase cryptocurrency but still has not verified my ID so I can not withdraw or transfer any funds or cryptocurrency and it has been almost two weeks. I emailed them but only got an auto email not addressing the issue but saying that they are back logged and to use their support services. 

Their support services do not fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXXXXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00}

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 non-monetary relief
Consumer complaint received 2021-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Sir or Ma'am Capital One Case number XXXX./Case number XXXX {$47.00} Credit Card Company Capital One was was notified XX/XX/2021 via phone and fax that I did not start my business and cancelled coverage with XXXX XXXX. I provided notifications with copy of Policy Cancellation XXXX via fax number XXXX, disputing {$90.00} charge XX/XX/2021. 
I don't agree with XXXX XXXX allowing XXXX XXXX to continue to charge my new card last four XXXX. Also I did not provide new card number to XXXX Insurance. Capital One arbritarily still allowed XXXX XXXX to charge the new card. 
Capital One indicated they would place a merchant block for future transactions which they did not place a block. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

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 2023-07-31
Company: EQUIFAX, INC.
State: FL
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:
EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX i wil be filing form XXXX treasury omb forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation