BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had an account with Capital One since 2003, accumulating significant reward points. Over the years my account was on autopay and I assumed everything was good. I got a letter dated XX/XX/XXXX saying that my account was closed due to non usage. I called Capital One at XXXX at XXXX PST today as soon as I got the letter. I tried to get my reward points back or card reactivated. I was told they sent me a letter in XXXX saying they would close my account if I didn't use it. I never received such a letter. I informed them as such otherwise I would have at the very least cashed in on my thousands of points. They told me nothing could be done and my reward points were lost. The value of those points exceeds {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 explanation
Consumer complaint received 2020-02-29
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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: Account status incorrect

Complaint:
XXXX XXXX /XXXX  XXXX is still appearing on my credit report. However, the attached document demonstrates that the account was dismissed with their collections agency and therefore no longer making me responsible for the account. The tradeline needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a letter out on XX/XX/2022 to XXXX and TransUnion. My tracking numbers for each credit bureau are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Trans Union XXXX XXXX XXXX XXXX XXXX XXXX. However, it has been more than 30 days and the credit bureaus failed to send me their procedures as well as my investigation back. I am unclear about the bureaus methods that the accounts has been verified. 

According to the law ( 15 U.S. Code 1681 ) - Procedure in case of disputed accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information in inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

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 2021-10-30
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:
COMPANY IS REPORTING INFORMATION TO MY REPORT THAT EXTENDS FROM MY INFORMATION BEING LEAKED IN A DATA REPORT. PLEASE DELETE FROM REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: MI
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX have violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-03
Company: Mr. Cooper Group Inc.
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Initial VA mortgage loan via XXXX and it's mortgage provider, Nation Star, XX/XX/XXXX. O/A spring XXXX, Nation Star servicing was transferred to " Mr. Cooper '' XXXX ( Same address, XXXXXXXX XXXX XXXX ). Last month, received a letter ( dtd XXXX XXXX XXXX ) that my loan servicing would be sent to another subsidiary, XXXX. ( Again, same address, XXXXXXXX XXXX XXXXXXXX  ). The letter stated " if you are on Autopay, there is nothing you need to do '', which I am. I went to check the status of my payment today, and discovered I was no longer able to see that information via the Mr Cooper app. I called to complain that the letter specified there was nothing I need to do if on Autopay, only to find out I still must jump through hoops as the customer ( by establishing a XXXX account ) to now view current and future payment processing. I then went to XXXX to file a complaint against the company ( XXXX ) only to find that they are not XXXX affiliates. While on the XXXX website, I found a judgement against NationStar, signed by the judge on XXXX XX/XX/XXXX. 
My complaint centers on three aspects : 1 ) as a former NationStar customer, how do I receive my portion of the XXXX XXXX adjudication against them? 
2 ) why are these mortgage companies allowed to make it more difficult for the customer by creating their shell company subsidiaries? 
3 ) Nation Star, Mr. Cooper, and XXXX are, in reality, the same corporation and their business practices impair the customer, and that is not good business! Because my mortgage is a VA mortgage, it seems they are taking advantage of the veteran. Your federal agency is the only way to stop this as they are a nation -wide company and states have no purview.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XXXX XXXX Ive discovered multiple fraudulent credit card accounts, mortgages, and auto loans etc in my name. This is totally a mess these are accounts that are not mine someone has stolen my information and had accounts opened some resulted in charge offs. Ive never even heard of majority of the banks or whatever they are. THIS IS IDENITY THEFT! Anyhow, these are are the account that are fraud, as well as the dates the the fraudulent account we opened. XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These are all FRAUDULENT ACCOUNTS OPENED IN MY NAME WITH MY CONSENT!!!!

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 2020-02-29
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:
The account listed and inquires were not done by myself. Please delete 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 explanation
Consumer complaint received 2019-11-07
Company: Prosper Marketplace, Inc.
State: MT
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 currently have a Prosper Loan & I have called on numerous ocasions to inform them that my loan is not being shown on my XXXX, XXXX, & XXXX Credit Report. I keep getting the run araund and I've decided not to continue trying to resolve this with Proser anymore since it's not going anywhere, Note : I was told by Prosper that once I was approved for the loan that they REPORT to 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 2023-10-30
Company: EQUIFAX, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
I have filed a dispute with the credit bureau agency Equifax on XX/XX/XXXX regarding a public record regarding a bankruptcy that is inaccurate and unverifiable On XX/XX/XXXX that my investigation was complete and the results were that it was verifiable and that it would remain on my credit report for another 5 years which has impacted my credit score very much and this is said to be verified through a third party Vendor known as XXXX XXXX this is stated in the documents from Equifax. However on XX/XX/1923 I received a couple letters from XXXX XXXX one stating that the disputed information on the public record on my file regarding this bankruptcy was investigated and came to the conclusion of it being unverifiable A second letter that I received on XX/XX/1923 stated that they would file a dispute on my behalf or had filed a dispute on my behalf with the credit agency Equifax however on XX/XX/XXXX Equifax came to the conclusion of my dispute and named the method of verification being XXXX XXXX. I had talked to a representative At the XXXX XXXX XXXX consumer number and was assured that this information was Removed from my file. I am beyond tired of these agencies reporting stuff that is not correct not verifiable not true and it having such an impact would like to do much more than just file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 tried to apply for credit in XXXX of 2022 and was denied. I checked my report and saw 2 accounts that i have not done any business with. I have a card with XXXX XXXX XXXXXXXX For the amount of XXXX, i also have a account with XXXX XXXXXXXX on my profile for the amount of XXXX. I have not done business with either company and These 3 companies needs to be deleted off of my credit. THIS IS FRAUD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ME
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:
Portfolio Recovery Associates have failed to provide the following after continuously sending me letters claiming they would no longer respond to my requests and the matter was closed in their opinion. 
This matter is NOT closed! 
They have failed to provide me with any original documentation and a co tract with my signature on it!

They failed to provide ANY of the following : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law 7. A copy of a contract with my signature on it with your company.

8. A copy of your license to collect in the state of Maine.

9. The name of the registered agent for your company.

10. A certified copy of a judgement made against me by your company in a court of law.

11. A copy of how you purchased this unverified debt and for what price. 

PRC havS NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the account be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NM
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2018-09-12
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Re : XXXX at XXXX and National Credit Systems , Inc. Complaint Dear Consumer Finance : I am writing to make a complaint against XXXX  at XXXX XXXX for failure to rectify and create habitation to unit. For the past few months, I have filed several complaints regarding the conditions in which I was forced to endure inhabitable unit. The landlord had refused to make repairs and rectify nuisance. The law states, Texas tenants can terminate lease or deduct and repair for necessary repairs. The tenant has a reasonable right to enjoy a place. The landlord is obligated to maintain property in suitable condition for the purpose for while it was leased. 

Most importantly, After filing 11 complaints from XX/XX/XXXX to XX/XX/2015, in regards to ceiling leaking water overhead in shower while in use, tub does not drain out during shower, shelving is loose/detached, toilet leaks, multiple indoor pest such as centipedes, ants, spiders, roaches, flies and termites, kitchen stove burner sparks and backfires during use, glass sliding living room door blinds chain/ cord/ wand broken when I moved into unit, tiles and paint peeling off shower wall and tub, nonstop leaks, electrical and lighting outlets did not work, refrigerator parts/ access missing/ broken, excessive noise levels originating from unit ( heard overhead in master bedroom ) due to neighbor in upstairs unit arguing and fighting constantly. Ive called police numerous times to report XXXX XXXX and notified the rental management of this issue. As per the rental agreement and the landlord failed to remedy these issues after receiving notification. I had no choice but to submit notice and vacate unit. Due to the ongoing stress and being unable to get proper rest it worsened my history of atrial fibrillation and caused me to make costly emergency room visits. 

Furthermore, I dispute the validation of the debt {$2600.00} and firmly believe I do not owe XXXX at XXXX XXXX anything. Due to several violations stipulations of the rental agreement and my right to terminate the lease due to inhabitable conditions and my right to reasonable enjoyable place to live. 

Thank you for your prompt action in addressing these concerns. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I am writing to formally complain about the numerous unsuccessful attempts to correct the late open accounts that are inaccurately reflected in my credit file. Despite my continuous efforts to rectify this matter, the corrections have not been implemented, causing significant distress and impacting my financial standing. 

I initiated the process to address the late open accounts on my credit report by submitting disputes through your online dispute resolution system. Despite these multiple attempts, the corrections have not been made, and the inaccurate information continues to adversely affect my creditworthiness. 

The presence of these late open accounts has had severe consequences on my ability to secure favorable interest rates, obtain credit, and engage in various financial transactions. I have diligently followed the established procedures, including contacting your customer service department on numerous occasions, yet the promised corrections have not been made. 

I understand the importance of maintaining accurate and reliable credit information, and I am committed to ensuring the integrity of my credit file. However, the persistent challenges in correcting the inaccuracies have left me frustrated and concerned about the impact on my financial well-being. 

In light of the above, I am requesting an immediate and comprehensive review of my case. I expect a thorough investigation into the late open accounts on my credit file and the prompt correction of any inaccuracies found. Additionally, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If the necessary steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : {$23000.00}.

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