BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
All Star XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COAF XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX FIN INST XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX GUARD XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XX/XX/XXXX JPMCB CARD XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX 'S, XX/XX/XXXX XXXX CR XX/XX/XXXX NEW AMERICAN XX/XX/XXXX XXXX XX/XX/XXXX SUMMIT XXXX XX/XX/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 2023-05-10
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received notification from Experian regarding unauthorized credit inquiries on XX/XX/2023 and XX/XX/2023. On XX/XX/2023, I called Experian and placed a credit freeze and fraud alert. On XX/XX/2023, I received another notice of an unauthorized financial account opened under my name through XXXX ( a loan servicing company ). I contacted XXXX to alert them of the fraudulent account opened under my name and requested a freeze on the account and note the account as fraud. However, XXXX refused to note/report the account as potential fraud and refused to freeze or close the account. 

XXXX denied having a fraud department to work with regarding this situation and they were unwilling to look into this issue. I believe they have unethical and deceitful lending practices and are not offering responsible steps for preventing and handling fraudulent practices and fraud claims. Due to their unwillingness to take this matter seriously, it appears XXXX is making it their business to profit from lending money unlawfully. 

A Police Report has been filed.

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 2022-01-13
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: Account status incorrect

Complaint:
I am writing to the CFPB to make complaint about the reporting agency, XXXX. This is not a third party filing this complaint. 

The credit reporting agency, XXXX, has been furnishing false and unauthorized accounts on my credit report. XXXX is in violation of the Fair Credit Reporting Act ; 15 USC 1681 ( b ) Permissible Purpose of Consumer Reports ( a ) ( 2 ) which clearly states, A consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I, consumer and natural person, did not give any written instructions to XXXX to furnish these items on my account listed below. 

XXXX. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT ED/XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
XXXX MTR Account Number : XXXX Please ensure that all information is accurate XXXX. Remove the Account XXXXXXXX XXXX XXXXXXXX Account Number : 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 2021-05-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Complaint ID XXXX Hello Spoke yesterday with a gentlemen and went over my complaint situation with him and the response I received from American Express, that had no information about my complaint, or how they were going to resolve it. 
Receiving all my statements from American Express, since 2015 does me no good, as my complaint is how they are XXXX XXXX XXXX about when my bank says American Express received my last payment/funds and when they say they got them and applied them to my account! 
Now if they are " attempting to do this to my account ... What are they doing to others of their customers here in the United States? 
If they are just billing others the same way, it is really fraud and I am sure an illegal act! 
See my paperwork sent in from my bank, XXXX, and American Express said receipt of my payment funds. 
They do not XXXX 
I hope the CFPB gets to the bottom of this improper billing and the situation behind it ... for myself and other Americans and how American Express could be fleecing Americans. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$950.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/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 explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I attempted to create an account for equifax premiere. The system took my {$1.00} but then told me after answering all the verification questions correctly that my identity couldn't be verified. I called the number listed XXXX and a foreign representative asked me another verification question, " do i hav a student loan? if so, who is my lender? '' I answered US Dept of Education. '' She insisted on asking me is there another name they use. I told her several times NO as i was reading the information straight from my equifax report as seen in the attachments and screenshot. She then said my identity was still not accurate. I then asked for a supervisor and someone with a heavy foreign accent name XXXX with ID : XXXX took over the call. I asked him why was my information not verified. After stuttering for a couple secnds, he could not answer the question. I recorded the call and am sending it to XXXX and XXXX, especially after the huge data breach and lawsuit. The system also STOLE {$1.00} from my account but did not produce my order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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: Account information incorrect

Complaint:
The credit bureau 's are reporting incorrect information on 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 explanation
Consumer complaint received 2022-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
I am an authorized user of a Capital One card, and have been for years. This credit card shows up on XXXX and XXXX, but not on XXXX. 

I have called XXXX and Capital One once a month beginning in XX/XX/2021. Each time I am told by Capital One that they are reporting the information to XXXX every 30 days, but XXXX says they are not receiving any information from Capital One. 

Neither organization seems interested in helping me solve this problem. 

In addition to this, XXXX has a wrong address for me listed as my contact information. I have called on two separate occasions, as well as filed multiple disputes with their agency, and it is still incorrect. They list my address as having an apartment number, but I live in a house. There is no apartment building.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called chase to dispute XXXX transactions. Two transactions were fraud and one transaction was canceled on the same day just minutes after purchase because I wanted to use another company 's product. 

XX/XX/2021 - {$280.00} ( reported as fraud by me ) XX/XX/2021 - {$100.00} ( reported as fraud by me ) XX/XX/2021 - {$140.00} ( reported as canceled with the seller on XX/XX/2021 by me and I was informed I would be refunded ). 

The bank disputed the transactions and applied a temporary credit and told me I would be contacted to get further information with their investigation. On XX/XX/2021 the temporary credit they applied was reversed, I called the bank to see why my credit was reversed. The claims representative told me that it has been over 60 days since the transaction happened so they will not dispute it and I should have called within 60 days of the transaction happening. It was very much impossible for me to call in at the time because my family has been dealing with XXXX and XXXX deaths in the family for the entire year of 2021. Also just so you can understand how crazy of a year it's been, locally we are still under a state of emergency, and national we are still under a state of emergency. If they contacted me during their investigation I would have definitely been able to explain that XXXX has been impacting me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Back in early XXXX XXXX XXXX reach us to refi our fha mortgage and we agreed and started the paperwork. Since that time we have sent several docs, spoke with several different mortgage processor and finally last Friday we received two sets of closing docs, one which appears to have accurate data and the other with a much higher mortgage payment than we we are paying now at a higher interest. We shared this with our processor and closer on Friday and received a email confirming today 's closing. When a notary finally called us back today, we checked to see if the docs were accurate, and course they were not. We have also tried to reach a manager, who know one seems to know to find out why they can not correct the documents ... Why would anyone sign off on a monthly mortgage with higer payments ar a lower interest. In sane. Please help if you can. This has been a complete nightmare.

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 2023-03-22
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received excessive amounts of phone calls and texts from National Recovery Agency stating that I owed a debt for {$640.00} a utility bill. I informed National Recovery Agency that I am not responsible nor do I claim this debt. I sent a letter requesting full validation of this debt to ensure accuracy. I also sent a cease and desist letter after not once receiving validation of the account yet I continue to receive both phone calls and texts messages. I am not liable for this debt and do not have a contract for this debt.

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 2022-01-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a Wells Fargo account. I opened and used this account for home improvements. There are two charges : one in XX/XX/XXXX and the other in XX/XX/XXXX. The first charge is interest free with 24 equal payments. The required payment is $ XXXX. I made $ 100 monthly payments up until I made the second charge in XXXX. The required payment went up to {$200.00} ( XXXX + XXXX ). Once the second charge appeared on my bill, I made payments of $ XXXX. My intention was to pay off the first charge before the end of the 24 month period. However, Wells Fargo continues to deduct only the {$95.00} as payment from the {$500.00} I submit. This means that I will NOT payoff the first charge before the 24 month period. I have called and asked that the surplus payments be applied to the first charge and XXXX has flatly refused and they continue to apply the surplus to the second charge. The surplus payment is MY MONEY and since I am already meeting the required monthly payment, as such I should be allowed to designate that surplus of funds ( XXXX ) to whatever charge I want paid. What is so difficult about this? They should be happy I'm making my payments, including extra! Do they think someone paying their charges off early means they won't continue to make payments on the remaining charge balance?! 
My complaint is that since I am making the required minimum payment on both charges, any amount over that ( money I choose to use toward payments ) should go to the charge balance I prefer. Most other credit card companies allow this ( XXXX, XXXX, XXXX, XXXX XXXX ). Wells Fargo has a history of corrupt activity and this " policy '' seems very suspicious. I am literally held hostage tp paying on the first charge for 24 months when I want to pay it off!!! They won't even let me do that! Even if I were to send them today the balance of {$510.00} for the first charge they will apply it all to the second charge. This is not right!

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 2020-05-29
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
XXXX {$390.00} XXXX  XXXX {$460.00} XXXX {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2022-01-13
Company: Webcollex, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I made a settlement to CK Financial XXXX XXXX XXXX XXXX, VA XXXX phone Toll-Free XXXX phone Local XXXX send Email XXXX I made a settlement of {$200.00} which was accepted on XX/XX/2021 but the collection agency put on my credit report that the {$200.00} was used as a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$950.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: NV
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

Here are the accounts mentioned above : XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX  XXXX Balance XXXX {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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'm sending this complaint to the TransUnion credit Bureau to REMIND that there is no involvement from a third party. They can not legally contact third parties with my private or sensitive information. Lack of permission defines fraud. The items listed below are false and are having an effect on my ability to establish credit. I want this removed right away! 
XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX MAIN XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} ; CAPITAL XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX Balance Owed : {$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 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Fraudulent information on all three reporting agencies companies XXXX, XXXX and XXXX, my credit score is not increasing beyond 500.

Company response to consumer: Closed with explanation