BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Please delete these accounts ASAP. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports : XXXX XX/XX/2022 and XXXX XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I Properly disputed the accuracy of information being reported on my consumer report by this company. This company is still reporting my name wrong, along with false addresses, and employment history that I do not work for. This company is also falsely reporting the payment history of several accounts. I asked to see method of verification along with payment history from creditor along with statements indicating the accuracy of payment history. I told this company that I do not recognize the E-Oscar system as suffice method of verification. They have failed to properly show me proof of a thorough investigation, which is now causing my consumer report to suffer. I resent letter for a request of fee for damages and negligence on their part. This complaint is for mine as well as their records. If this matter is not corrected I do intend to use the law to the fullest extent to make sure this doesn't continue happening to me or any other consumer of the United States Of America.

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 2023-01-13
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/17 Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-14
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DPT EDXXXX XXXX, DPT EDXXXX XXXX , DPT EDXXXX XXXX and XXXX XXXXXXXX

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 2022-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposit my check on XX/XX/XXXX and I received a confirmation email stating my funds will be credited to my account on XX/XX/XXXX. XX/XX/XXXX my fund was not available. In addition, I was charged XXXX per for over a year for an account that was supposed to be free. I called bank of AmericaXXXX in reference to these issues and the manger/supervisor refused to speak with me. I had to yell and scream for an hour because the manage agreed to take the call from the representative. The supervisor XXXX said I have to wait until XX/XX/XXXX for my check to post regardless of the confirmation email. She only refunded 11 months of the XXXX fee and refused to refund the rest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27
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: Public record information inaccurate

Complaint:
Bought this vehicle at the peak of have a very good paying job at the time, around XXXX market had gotten bad, even though I want able to make my full monthly payments between dealing with the most unprofessional company they had no understanding that I needed help. I ended up losing my job still trying to pay on loan. My car was taken ( repossession ) cost me a lot of fees to get vehicle back.I spoke to a loan rep whom advised they would work with me on the reporting if I was buying vehicle back, Just to pick it up battery taken out my car because it went to junk yard and driver door dented. I called and told loan company about issue, was told manger. No call and stuck with repossession thats been hunting me ever since. Fast forward to XX/XX/XXXX I was hit from an accident, they were also notified due to COVID breaking out at the time insurance company didnt send them off payoff until XXXX now they have as a missed payment. Ive tried for past 5 years to get some help with this, spending lots of money for help. This is the only account that Ive ever had derogatory remarks on my credit. Its been very time consuming each time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Although i got what was and is mine it took my mother passing away to gain access to what was mine after months upon months of explaing, arguing and hours and days took up with this place apparently all it took was my mother to die to access it... ..honestly wouldnt even be surprised if stressing over this didnt help the matter but cant say for sure... ..im still angry and distraught over everything that has happend with this place for the hours lost via calls and messages and arguing ... ... the easiest i had it was after my mothers passing i needed to have the money for her cremation upon walking in the bank manager knew who we was after one of the tellers told her my name and account number and they was quick to get a check and cash it almost as if they was happy that they was done dealing with me and my wife ... ... and excuses even came about the situation of someone acting as me and me having proof of it sorry but im still upset... ..no bank should ever do somthing like they did i now daily keep a close eye on my credit information and other accounts in fear this person is still trying to actively act as me but luckily my current bank does take there ( unlike here ) security very very seriously ... ... sorry but im still angry... .any normal person would be

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Time is money ; Meaning they werent as prompt or as descriptive as they couldve been as far as explaining the policy until the last minute; assuming that I or the other customers already were aware of what their company policy is in this current year. Although it was better explained to all of us promptly and I depth later, I still feel that we should be $ $ $ $ compensated for our wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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:
XXXX XXXX  Last reported XX/XX/2020 {$340.00} Reported balance XXXX XXXX XXXX XXXX XXXX XXXX, OR 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 2023-05-11
Company: EQUIFAX, INC.
State: TX
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:
When I investigated my updated report in XXXX XXXX  There are multiple errors in the accounts listing that are damaging to me including payment history, and account status. Please update for lawful accuracy these accounts listed below : XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: CITIBANK, N.A.
State: IL
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent a letter to Transunion requesting incorrect information from XXXX XXXX company showing as late be removed from my report. I also cited the reasons for this. The late payments are showing on XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. They did not investigate this properly because the payments were not late.

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 2022-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Creditor Name CAPITAL ONE Account number XXXX Date opened XX/XX/2018 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a claim with Bank of America Prepaid card services on XX/XX/2021. After sending in requested documents ( 2 forms or Identification ; police report ) and soeaking to multiple representives. My claim for the amount of XXXX was denied. The claim was originally denied XX/XX/2021. Since the date previously stated the claim has been reconsidered 3-4 times. The " investigation '' apparently founded that I am liable for the chages because the card that was issued to me was used for the transactions. I told the bank that I never recived that card. The information they had in my account as to where the card was to be sent was incorrect. I have never been assosicated to the address that they sent the card to. Also, there has been an arrest and conviction in regards to these fraudulent charges.

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 2018-10-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
USAA continues to report my account as a joint holder when the account belongs to my son i have no knowledge of the account. I requested from USAA documents showing my signature that i authorized to be a joint account holder and received nothing from USAA. 
Also i have disputed this numerous times with XXXX and they stated that they verified. i also requested under FCRA method of verification and they failed to respond

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2021-10-10
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
CareCredit sold a debt that I did not authorize nor did I make the charge on the CareCredit credit card. 
The unauthorized and or fraud transaction was in the amount of {$2000.00}. 

I refuse to pay for something I didn't authorize nor did I make, nor did I benefit from. 

CareCredit sold the debt to XXXX XXXX XXXX in the amount of {$3000.00}. 

XXXX XXXX XXXX is reporting to the credit bureaus as a collection.

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 2023-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 filed a complaint with Capital One for a charge regarding a Hotel Booking Service Fee of {$15.00}. They removed the Charge pending an investigation. However it was then put back to my account. This charge was for a hotel stay here in XXXX XXXX Nevada at Arizona XXXX. However when we went to the property we were told that there was no rooms available and was told they canceled our reservation and would fully refund the amount charged. I received a refund all but the {$15.00} for the Hotel Booking Service Fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
These docs are coming from me ; XXXX XXXX and not a third party.. I did not authorize these two inquiries on my credit report. # XXXX XXXX. Capital One : XX/XX/2023 XXXX XXXX XXXX : XX/XX/20XXXX XXXX

Company response to consumer: Closed with non-monetary relief