BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: DISCOVER BANK
State: MA
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:
XX/XX/2022 to XX/XX/2022 I received free play and a complimentary overnight stay at XXXX XXXX XXXX XXXX. I could not stay that night. I called the hotel casino to cancel my free night stay. And I was told if I cancel I would pay a fee. I told them that dose not make sense. Its a free room I receivedXXXX XXXX told me that's the rules. So I didn't cancel but never showed up. And they still charged me. I made a dispute with discover and they ruled against me. I am charged {$110.00} Which isn't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: KY
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 paid my XXXX XXXX  account in full it was a balance of XXXX, it was charged off but I paid it in full and I have had it investigated twice I even sent the letterhead that XXXX provided, to show that it has been paid and it is still showing as a negative unpaid item on my credit report therefore lowering my credit score and I am purchasing a house in the next couple months so I need this item removed or corrected. Its still showing on my Equifax and XXXX Report.I can't get it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 paid my XXXX XXXX  account in full it was a balance of XXXX, it was charged off but I paid it in full and I have had it investigated twice I even sent the letterhead that XXXX provided, to show that it has been paid and it is still showing as a negative unpaid item on my credit report therefore lowering my credit score and I am purchasing a house in the next couple months so I need this item removed or corrected. Its still showing on my XXXX and XXXX Report.I can't get it corrected.

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 2021-08-23
Company: EQUIFAX, INC.
State: SC
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:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
My XXXX account was hacked on XX/XX/XXXX  which I became aware of via ele electronic notification. A purchase of a bed for {$780.00} was charged to my Capital One credit card on file and being delivered to my address on file. I did not make this XXXX order, it was fraud. I couldn't get the shipment stopped through XXXX or XXXX and the bed was delivered to my home on XX/XX/. I completed dispute process with Capital One and informed them that I had the bed at my address. They provided a provisional credit and upon investigating, determined insufficient evidence of fraud since I had the disputed item in my possession at my address on file and I would have to handle this myself with XXXX. Between all my conversations with XXXX, XXXX, and Capital One, I was waiting for someone to make the attempt to pick up this box and return it to XXXX, but wasn't hearing anything. I have been trying to resolve this with XXXX from XX/XX/XXXX XXXX XX/XX/XXXX  and still don't have a refund! I followed the instructions on the back of my Capital statement : Your Rights If You Are Dissatisfied With You Purchase and mailed a Certified Letter to the address provided. I have a receipt from XXXX that it was signed for and haven't heard a word from Capital One regarding receipt of this or if they assist further. I am attaching all detailed conversations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-29
Company: Thaxton Investment Corporation
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:
In response to Covington Credit, I would like to inform you of the inaccurate reporting on my credit file. I never authorized any accounts with Covington Credit. If Covington Credit has the right to report this account to my credit file I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681, and in pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with XX/XX/XXXX. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my public consumer credit file. All information in pursuant to the FCRA section 609. Please provide all records in regard to FCRA section 609.

Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurate information be immediately removed from my credit file.

The Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So i started by calling XXXX on XX/XX/2023 at XXXX to try to understand why a charge of {$430.00} is showing up on my Credit Report with the original creditor being XXXX when i finally got in touch with XXXX Customer Service Representative they look into my account that i had with them over 3 years ago they then proceeded to tell me that my account had been closed for multiple years and i had no charges pending for the amount of {$430.00} from XXXX and then began to tell me that the charges were coming from XXXX since XXXX and XXXX merged then proceeded to tell me that they would transfer me to XXXX because even though they are merged they still have separate departments so they transferred me to XXXX and i finally got in touch with a XXXX Representative they began to look into my XXXX  account i also had over 3 years ago and proceeded to tell me that the account was closed 3 years ago and they have no pending or previous charges of {$430.00} and ended the conversation by telling me i should visit a XXXX store and to bring a bank statement showing the charges i proceeded to try to clarify that i wasnt charged the {$430.00} that it is showing up as a Debt Collection on my Credit Report and that it wont show up on my bank statement they continue to tell me to visit a XXXX location with a bank statement completely disregarding my explanation of it showing up as a Debit Collection on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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 contacted the following credit bureaus about fraudulent accounts that were placed on my credit report. The Bureaus are TRANSUNION, AND XXXX CREDIT BUREAUS, I sent them copies of a XXXX XXXX Police Report that I filed Reporting this fraud, along with a Federal Trade Commission Report the accounts were then taken off my credit report. Several weeks later the same accounts were reinserted back to my credit report. 
Since then I have been disputing these fraudulent accounts. The credit bureaus told me that the accounts were verified and certified by the creditor, witch is XXXX XXXX XXXX XXXX. I then disputed these account with the creditor, On XX/XX/2022 the creditor responded by sending me an email that stated they needed more information .... I furnished them the exact information that is currently reporting on my credit report that they furnished to the credit bureaus ... Now they are saying they need more information. I would like to know how they need more information, when the credit bureaus contacted me and stated the the creditor verified and certified this information. Some one is violating my right from the looks of the letter from the creditor they dont even have this information that the bureaus are reporting. I requested a copy of the documents use to certify and verify these accounts from the bureaus and the creditors, and both have failed to furnish me with a copy of these documents.

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 2022-12-22
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: Home Point Financial Corporation
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX refinanced his and XXXX XXXX home on XX/XX/XXXX for {$100000.00} as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  then went and refinanced XXXX XXXX home again as a XXXX XXXX on XX/XX/XXXX for {$150000.00} posing as my XXXX XXXX, he has also transfered XXXX XXXX of XXXX XXXX XXXX XXXX savings account to his bank account with out her permission or her knowledge, XXXX XXXX then discovered that there was numerous bank transfers on her banking account statement, I then contacted her bank due to these transfers, as I have the power of attorney over XXXX XXXX, I had discovered that this has been going on since XX/XX/XXXX. I have made a police report and been in constant contact with my XXXX bank and I have also contacted the XXXX  regarding this matter. I am very concerned about this because my XXXX XXXX XXXX XXXX and now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have no idea what else he has done or gotten money from posing as XXXX XXXX. There was a judgement against XXXX XXXX XXXX XXXXXXXX, my father had to sign an affidavit stating that he was not the XXXX XXXX that had a judgement against him so he could refinance the home. My XXXX signed XXXX in XXXX stating that he was not the XXXX XXXX with a judgement against him, which he is the XXXX XXXX with the judgement it is for child support, so is has also falsified that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have a block on my credit files with XXXX, Transunion and XXXX. In order for me to accept or request credit the creditor must physically call me by phone and ask for permission to check or verify my file. 

This was not the case, I didn't receive a phone call from the this creditor XXXX XXXX XXXX and now I have an Inquiry on all 3 credit files as of XX/XX/2018.

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 2023-08-18
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:
My EDD unemployment debit card, issued by Bank of America Prepaid was frauded over a month ago. I submitted a fraud claim and they keep denying it. It initially took almost a week just to submit the claim because the bank computers were down! I have tried to escalate but it is very difficult to get in touch with any managers. Please call me back as soon as possible with a resolution. The amount frauded was almost {$800.00} and it was over a month ago that I filed the claim! It's a lot of money for someone that is on unemployemnt. I also want you to know that I did my own investigation and found 3 charges on the same day to XXXX for {$140.00} and I called their fraud department. They told me that it was done with a digital card at a gas pump in XXXX, CA. They have the pictures from the camera and the video. Bank of America said that they keep on denying me because of the use of a chipped card. That is not true because I called XXXX and they said it was a digital card. In addition, they also overdrew the prepaid card, which is impossible to do, unless this is an inside job at Bank of Americal So not only am I loosing on the fraud but they also took future benefit payments on this STUPID card. Please 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 monetary relief
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2021-08-23
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3600.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX 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

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