BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
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: Account status incorrect

Complaint:
On XX/XX/2021 I discovered ( XXXX  RETAIL ... ACCOUNT # XXXX AND XXXX XXXX XXXX ... ACCOUNT # XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item 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 2023-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
these accounts are not mine have never. lived in XXXX XXXX have been trying to fix this for years remove account from credit report i was overseas working have orders to prove it for court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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:
We did not even file Chapter XXXX- There is another person with my name that did and it was filed under me instead of them. 
Credit cards were stopped, couldn't pay them, Did file for bankruptcy in XX/XX/2014 so now it shows we filed that as well as chapter XXXX when I didn't! 
Was working to fix my credit and working hard on it! 
Now it's showing that and not allowing me to pay and show my credit cards!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Capital Accounts, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by phone two or three times by Capital Accounts. They started each phone call off with an oddly long silence, followed by a very short and rude phone call. In my first call, they refused to identify who they were or why they were calling until I gave them personal information, which is not okay or legal to ask for. Next, they got extremely rude and hung up on me after muttering under their breath " Oh my XXXX, unbelievable '' after I informed the caller that I had no idea of any supposed medical bill debt. My most recent call they asked for my name and I asked who was calling first and what they were calling about, but they just hung up on me abruptly without answering. They also sent a letter that I received on XX/XX/2021 stating that i owe {$490.00}. This is not my debt and i don't owe any money for a dental bill.. This business runs like a scam, they are extremely rude for no reason. They have no manners, and I don't even know if they are legally operating. This is harassment. They should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 am writing to report unauthorized hard inquiries on my credit report that I did not initiate or authorize. These unauthorized inquiries have negatively impacted my credit score, which may subsequently affect my financial opportunities.

1. Details of Inquiries : On XX/XX/2023, I noticed XXXX unauthorized hard inquiries on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

2. Immediate Actions Taken : I promptly contacted all the credit bureaus involved. XXXX was cooperative and removed the unauthorized inquiries within 24 hours of my request. 
However, when I reached out to XXXX and Equifax, I faced challenges. They suggested I contact the creditor directly for a dispute letter, a step I found unnecessary given the unauthorized nature of these inquiries. 

3. Additional Concerns : Despite my efforts to resolve this with XXXX and Equifax, their processes and timelines seem prolonged, which increases my concern about the undue negative impact on my credit standing. 

I'm looking for an expedited resolution to ensure my credit report accurately reflects my financial behaviors. Given the immediate effect these inquiries can have on my credit score and the potential long-term implications, I believe swift action is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
XXXX  XXXX I have paid this account off and it was never late or missed a payment ; I called XXXX and they sent me a letter stating that I never missed a payment and was never late, XXXX  and Transunion are reporting fraudulently that a missed/late payment happen XXXX of XXXX I have sent XXXX  and Transunion this letter and this fraudulently information still is reporting on my credit report. Please have them remove this account all together or correct this account to correct statues.

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 2023-02-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
***PHH Mortgage Services , Ocwen loan, XXXX XXXX  XXXX . al. didn't post most 0R ANY OF MY MORTGAGE PAYMENTS FOR 18 YEARS. ***. WHO KEPT MY MONEY? WHO KEPT ALL MY MORTGAGE PAYMENTS? VERY STRANGE. Please stop phh for foreclosing on me this XX/XX/XXXX. They sent notice of sale for foreclosure and I had a light XXXX and my XXXX hasn't stopped beating fast palpitating, yet. PLEASE STOP ILLEGAL FORECLOSURE. 

I would appreciate it if you will open my case, because phh mortgage services has no proof I didn't pay for 18 years. If this were true all those approximately 15 mortgage companies that flipped my house would have foreclosed on me years ago but XXXX I'm still in my home because mortgage companies banks told me many of my loan mortgage payments were lost, stolen or applied to other homeowners accounts. I mailed volumes of my payment receipts mortgage and all those companies said they would make copies mail back to me but when I inquired all companies said due to changing hands reorganizing workers loss movers threw away boxes of customers receipts including mine ; thus phh has NO proof I didn't pay. XXXX I paid. Company had class action suit. XXXX XXXX, Ocwen loan, XXXX XXXX XXXX all had charges from government. 
WHERE'S MY MONEY? 
Additionally, phh mortgage took over my loan around XXXX and are charging me with payments from XXXX to XXXX. This is wrong doings fraud misrepresentation. Please have my title deed issued to me. 
These companies banks are lying to steal my lovely home. PLEASE STOP ILLEGAL XX/XX/XXXX home sale ASAP. My heart hurts.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$330.00} ; 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 2023-03-13
Company: EQUIFAX, INC.
State: MD
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:
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 no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my Oportun XXXX XX/XX/2021. I called Oportun ( which is a pain because they are pretty much in another country ), and I had been doubling up on my payments, and they never sent me any paid off statements - they never sent me another statement since I filed my last complaint about them, and they MADE ME PAY ALL OF THE INTEREST EVEN THOUGH IT HAD NOT ACCRUED BECAUSE I HAD PAID IT OFF EARLY. 

And I made FOUR - DOUBLE PAYMENTS ( OF $ XXXX INSTEAD OF {$90.00} ). 

THIS COMPANY SHOULD OWE ME SOME MONEY PLUS AN ITEMIZED STATEMENT FOR THE ENTIRE LOAN. I WILL NEVER BORROW FROM THEM EVER AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank Of America has frozen, and begun the closure of my business bank accounts, effective XXXX, without notice. My bills, and outstanding payments are being returned, and I don't have access to my working capital. This is blatant discrimination and retaliatory, as a result of the complaints that I have submitted to the CFPB. 

There is currently an open complaint, regarding a previous banking error. Bank Of America has decided to retaliate against me, and close my XXXX business bank accounts, which have always been in good standing.

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 2018-02-16
Company: Army and Air Force Exchange Service
State: PA
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:
Army/Airforce Exchange XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX I had obtained my free annual credit report to review the information. I had seen that my account for this line of credit ( XXXX XXXX ) shows it was delinquent for these three months. It should have cleared out no later than XX/XX/XXXX. The reason behind this is because it was a requirement upon exiting the Military to pay off any debts that were owed- this included the XXXX XXXX It was paid off and was negatively reflected in my credit report as having 3 delinquent months which should not be. I do have my release documentation that shows when I was honorably discharged and I have documentation with a signature stating that I owed nothing to the military and was able to process out.

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 2023-03-13
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This information is fraud I demand immediate removal and block future reporting. 



1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice. 
5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. 

The letters are stated with items and issues. 

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 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 2023-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After discovering that a debt collection company and XXXX XXXX were erroneously reporting a debt as mine, I contacted both organizations to inform them that the debt did not belong to me. However, neither of them has offered any help, and the company keeps calling and making threats despite my explanations. 

Despite my repeated insistence that the debt is not mine, the company continues to call me during work hours, sometimes multiple times a day. They also call me past XXXX XXXX, which is against regulations. They have contacted me from three different phone numbers and have failed to identify themselves on the phone. The company is attempting to collect a debt that is not mine, and I have already informed them that I will not be paying it. 

In addition to the calls, I tried to dispute the debt on the company 's website, but it was not functional. After submitting my order, information, and proof, nothing happened, and the website instructed me to resubmit my dispute. 

If the company persists in these practices, I will be forced to take legal action. 

I have attached phone records of this company attempting to call me from two different numbers one number ending in XXXX and another one ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: SYNCHRONY FINANCIAL
State: KS
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:
Synchrony Bank XXXX XXXX did not resolve my complaint with a Service Quality issue. The card credited my account when I disputed the charge of {$230.00} by the XXXX XXXX for shoe inserts that were incorrectly made, so I could not use them. 
A month later Synchrony charged my card again for {$230.00} for the XXXX ( shoe inserts ). 
Synchrony Bank XXXX XXXX did not address the issue that the XXXX  XXXX XXXX employee provided incorrect information to the company that made the inserts, so that they did not fit my shoe. I refused to let them try again. I wanted my money back for the shoddy goods. The credit card company is supporting the merchant and forcing me to pay for shoddy goods. 

Below is a copy of the form I filled out for Synchrony Bank explaining why I should be refunded for the {$230.00} charge placed on my credit card for goods I could not use : XXXX XXXX XXXX XXXX Attachment : Service or Merchandise Quality Issue or Misrepresentation Questionnaire Date I went to pick up shoe inserts/ XXXX from XXXX XXXX XXXX : XXXX Method of Contact : In person Response : I went to XXXX XXXX XXXX to pick up the inserts that were custom made by a company from data/information provided by XXXX XXXX XXXX staff. 
The person who took measurements ( stated I had a size XXXX shoe, whereas my size is XXXX ) and she imaged my feet, so that one was in front of the other. Because the data she provided was incorrect, the inserts were useless. They would not fit my shoe properly. 
The same staff members who did not know how to gather data correctly wanted to do the process over again. I said, if they did not know how to get the information correct the first time, there was no use trying again. I wanted my money back. 
They refused and sent me a form after my visit on XXXX ( of which I had no copy ) stating that I had until XXXX XXXX on the day measurements were made and imaging was done ( XXXX ) to change my mind. 
I did not change my mind about getting the inserts. I refused to accept incorrectly made inserts.

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 2023-01-20
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Date opened XX/XX/ Balance {$0.00} ; XXXX XXXX Date opened XXXX  Balance {$0.00} ; XXXX XXXXXXXX XXXX Date opened XXXX  Balance {$420.00} ; XXXX  XXXX Date opened XX/XX/ Balance {$0.00} ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief