BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account 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 accounts below : XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX  XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX XXXX {$1400.00} open date XX/XX/2021 In accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2022-01-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Date : XX/XX/2021 I recently purchased XXXX XXXX, and XXXX failed to protect my information when a variety of back to back charges were made on my Citibank card for products completely out of my consumer habits which Citibank failed to recognize. ( a series of XXXX games, charged at approximately XXXX ) I immediately contacted XXXX in writing. The by phone the next day. XXXX only refunded one of the charge ( currently in dispute with them now ). XXXX also removed the card from my account and changed my password. 

I contacted Citibank Fraud department two days after the multiple charges were made. I have been a longtime customer of Citibank and approximately only once requested a refund on a false charge prior to this one. 

Citibank canceled my current card and sent me a new one and put a temporary refund on the charges. After XXXX disputed with Citibank and insisted that these charges were legitimate due to the fact the charges were made on my card in my name, and then showed usage, Citibank refused to refund more than {$5.00} of the approximately just under {$200.00} charges. Honestly a small amount for a company such as Citibank and a very XXXX  way to treat a customer - treating them as if they are lying to get out of a less than {$200.00} charge. 

Along with the major inconvenience of changing and updating my card on all automatic bill payments ( over less than {$200.00} ), I also provided screenshots of my conversation with XXXX, proving I contacted them immediately. 

Despite all of the above, Citibank still concluded that I was attempting to deceive them to avoid a just under {$200.00} charge. A really XXXX  way to treat a customer.

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 2020-02-22
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 Credit Bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX 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 explanation
Consumer complaint received 2023-07-17
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2022-10-12
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit 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:
Im filing a complaint against capital one bank for for mishandling my walmart rewards account using deceptive practices such as withholding disputes charges that i file from my account as well as unauthorized charges I reported to my account this happened XX/XX/2023 when I called capital one to ask why they had not given me a credit for dispute charges I had reported in which they told me they are putting a hold on my dispute credits until my case would be resolved and when I asked why they did not give me a explanation this is something they have never done and i found to be unfair business practices fast forward XX/XX/XXXX I reported my card lost and unauthorized charges and now they are withholding those charges as well with no explanation given I am a person who suffers from mental illness with XXXX XXXX XXXX and I am not feeling up to par with the overwhelmingness of capital one constantly sending me paperwork to fill out for disputes that don't need no additional information for I've given full information and dates and charges every time Over the phone all charges will be listed below in which I did not receive and capital one is withholding from me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Experian continues to furnish incorrect and unauthorized information about me without my consent. My attempts to have this account removed/ deleted due to the inaccuracy that is inequitably furnished by your organization on my XXXX Report has been ignored and or pacified. I filed a report on the CFPB portal with XXXX and Experian on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1. Credit Denial for an Auto purchase loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vita role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 
I am attaching a copy of a consumer report dated XXXX that was furnished by XXXX. This report shows XXXX financials reports made to XXXX. The reports show the account in question being reported completely different from what it is now reporting. The balance shows {$0.00} and paid in full/ paying as agreed in XX/XX/XXXX. XXXX and Experian continue to furnish reports that is consistently changing. Charge off dates constantly changing and contradicting on a monthly basis. XXXX XXXX is furnishing fraudulent documents, dates and information that is consistently changing. 

I am also attaching a consumer report dated XXXX that shows a whole new set of dates and information furnished by XXXX and reported by XXXX XXXX Experian on my consumer report. 

I request you immediately remove XXXX from my consumer report. I have informed you of the inaccurate reporting and have furnished multiple documents furnished by you ( XXXX Experian ) that shows the contradiction and various reports that are inaccurate and inconsistent. If this account continues to be to be validated and furnished I will be forced to take this matter to court and include XXXX / Experian in the lawsuit.

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 2023-10-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I withdrew my application before completion and they reported to the credit agencies that it was declined. I started the application in error.

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 2022-05-25
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want to add additional comment and complaint against Second Round Sub LLC. 

Their response below clearly state that they are not a credit agency and that I have to communicate with XXXX XXXX to follow up. However, after XXXX XXXX XXXX XXXX response in a letter, clearly states that the account was SOLD to XXXX XXXX XXXX on XX/XX/XXXX and that I should contact them directly to XXXX. 

Whom should I go then for the request of the deletion of this account after been settled? I have proof of Stipulation of Settlement Agreement, proof of Stipulation of Discontinuance of action, proof of payment. Now I have find out no agency can sue me if a XXXX has been expired specially under unemployment circustances. This is something that need to bee investigate. 

As of XX/XX/XXXX, XXXX XXXX has a three-year statute of limitations on many kinds of consumer debts, including credit card debts ( XXXX Civil Practice Law and Rules section 214-i ). If someone were sued on a credit card debt on or after XX/XX/XXXX, and the last payment on the credit card was more than three years ago, this person likely have the defense that the statute of limitations has expired. If the statute of limitations has expired, the court must dismiss the lawsuit. 

XXXX XXXX response on previous complaint # XXXX : XXXX XXXX appreciates the opportunity to respond to XXXX XXXX 's concerns. The account she references in her notice was an XXXX XXXX XXXX originally issued by XXXX XXXX. The account was opened on XX/XX/XXXX and was charged off by XXXX XXXX on XX/XX/XXXX. The last payment made on this account prior to chargeoff was made to XXXX Bank on XX/XX/XXXX. XXXX XXXX purchased this account on XX/XX/XXXX. Please be aware that XXXX XXXX is not reporting to XXXX XXXX 's credit report. XXXX XXXX is not a credit reporting agency. Because of that fact I can not make any judgement as to what is showing on XXXX XXXX 's credit report. She maXXXX wish to contact the original creditor to determine if they have any reporting on the account. XXXX Bank can be reached at : XXXX. Attached to this response is a Release of Claim letter XXXX XXXX requested, indicating that the account is closed in our files and that XXXX XXXX has no further obligation to XXXX XXXX I am unable to mail the letter as we do not have a current address for XXXX XXXX. The address provided in this complaint appears to be a commercial address. However if she would contact our offices to provide a current address I can send a copy to her home as well. She can reach us at : XXXX. Please let us know if there is anything further needed for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, XXXX XXXX XXXX XXXX XXXX, who is now XXXX, had our home refinanced through Wells Fargo Mortgage Company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; for verification, I do have documentation of her living will. My name is on the deed, not on the mortgage loan ). After passing away in XXXX, I inherited the home, in which I am currently residing. At the time of her passing, I had called numerous times to WFMC concerning the loan and trying to refinance the home in my name. They never returned my calls; all I got was auto voice, transferring me from one person to the other. Still, I wasn't able to talk with anyone. By the way, I am of the XXXX XXXX XXXX XXXX XXXX XXXX. I did get mail correspondences informing me to call such phone numbers and talk to persons. When I did, no response ; only voicemail and so forth. As a result of this whole scenario that I went through, I had to declare bankruptcy because of my job situation and payments were getting behind. I didn't appreciate how WFMC treated me as a customer. They could have cared less. Even through the bankruptcy process, I had to pay the escrow on the mortgage, and not to mention, they increased the payments while under XXXX. I did make the payments, faithfully, so much until they threatened foreclosure. I was not a happy camper. I will be more than happy to send documentations of this by faxing or mail or emailing.

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 2022-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the listed account has violated my rights. 

KOHLS/CAPONE, acct # XXXX 15 USC 1681 Section 602 : States that I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief