BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was XXXX  for five years. I was released XX/XX/XXXX from XXXX XXXX XXXX. I ran my credit and I have no knowledge of these accounts, nor did I give anyone access to any of my personal information while gone. I also filed a police report because of this issue. I also uploaded all proof of police report and proof of my XXXX. Below is the accounts. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Transunion XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Date opened XX/XX/XXXX Account Collections XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX ) XXXX Status : Charged off as bad debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Status- Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX Orignal XXXX XXXX XXXX XXXX, XXXX, MA XXXX Date opened XX/XX/XXXX Account status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO

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 2022-12-31
Company: EQUIFAX, 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 confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX, 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: Closed with explanation
Consumer complaint received 2022-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Pottery Barn posts on their website that you can receive a 10 % rewards ( effectively 10 % in gift funds ) for new Gold Rewards members when they apply for a Pottery Barn Visa through Capital One. However, Pottery Barn sets the credit limit at {$1000.00} which is below the purchase price of a large purchase, in my instance a {$2600.00} bed. So the website advertised a 10 % reward of {$260.00} but that reward isn't obtainable because of the low credit limit. I would never have applied for the credit card had this limit been disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I checked my credit report as I usually do and noticed a Home Depot credit card opened in my name, with a {$500.00} limit, and someone spent {$450.00} dollars on it in XXXX of 2022. They made a payment of {$31.00}. I came here to report it as fraudulent.

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have some fraudulents accounts in my credit profile that i been disputing and i had sent the three credit agencies XXXX, XXXX and transunion a FTC report like Early XXXX as my ftc report showed, and some disputing letter on XXXX XXXX been victim of identity theft and i have 4 negative items on my report on XXXX, XXXX and Tu that i do not know where they Come from.i need them to be delete.their investigation took more than 30 days and they violate my right by keeping those in my report. 
I hope you can be the voice of People like me Who get abuse by some agencies out here. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
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:
I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4400.00}

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 2022-05-18
Company: Keynote Consulting, Inc.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Key Note intentionally transferred an identity theft credit card account to XXXX XXXX XXXX to file a lawsuit, after agreeing to remove this same items from my credit report. Both parties have a deceptive and reckless reputation in the state of Illinois and particularly in XXXX XXXX, which consist of XXXX  XXXX and XXXX  people that these so called professionals prey on. 

I would like for the Illinois Attorney General and the XXXX XXXX States Attorney to get involved in these duos because they do not take this matter serious because they think that your organization is a joke. I will also be forwarding a copy of this complaint to the XXXX XXXX XXXX Attorney. Which is XXXX. and her name is XXXX XXXX XXXX XXXX XXXX  file a lawsuit in Illinois XXXX XXXX, knowing that I do not reside in Illinois or XXXX XXXX and I expressed that to both parties over 4 months ago. Both parties are running an enterprise within the state and XXXX XXXX by harassing XXXX people and filing bogus and illegal lawsuits hoping too scare XXXX XXXXXXXX people into paying credit card debt that has passed the statue of limitation and has been written off as a loss by the banks. 

This account that I am being accused of has reached its statues of limitation for the state in which I reside in and the lawsuit was never filed in the state in which I reside.

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 2023-08-23
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. I can give you dates and number from which they called ; stated I owed money XX/XX/2023 XXXX caller id PFS LLC ( Phoenix Financial Services ) XX/XX/2023 XXXX caller id PFS LLC XX/XX/2023 XXXX caller id PFS LLC also called my son to convince me to pay debt XX/XX/XXXX XXXX ( twice ) caller id PFS 2. They have refused to send copy of debt, any documentation supporting debt.

3. on XX/XX/2023 they said the XXXX was down the street from my house and if I didn't pay now, I would be served and possibly arrested.

4. denied to give any information concerning the debt on phone calls 5. on XX/XX/2023 they called my son ( XXXX XXXXXXXX ) to convince me to pay the debt before they sent me to jail. 
6. all phone calls were threatening, demanding immediate payment or be arrested/sued.

7. I have checked all credit bureaus and I have no active bad debt listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My checking account was frozen after paying my mortgage payment. Discover assumed fraud, didn't contact to ask if it was me, just froze the account. Their online help chat service doesn't help, says I can only call discover. For a week, at various times of day, the service says it'll be 3+hours of waiting to speak to a representative. Like clockwork, at the 2 hour mark I'm hung up on. 
I'm locked out of an account I have bills tied to and Discover doesn't provide any means for me to fix the issue they created. My account is being held hostage

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Suttell, Hammer & White, P.S
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX of XXXX I became my mother 's legal guardian and conservator, as ordered by the state of Colorado. Shortly there after I moved cities within Colorado. I never received a bill for this instance of my mother 's outstanding credit card debt. Then, in early XX/XX/XXXX, I was served with a court summons on by the law firm / debt collector agency XXXX XXXX XXXX, XXXX. I am not disputing the debt owed, but would simply like to resolve this outside of court. Here is the timeline of my attempts to contact them to seek resolution : XX/XX/XXXX -- Called at XXXX XXXX and left a voicemail. The court summons did not include a reference number, which their outgoing message asked me to provide, so I could not provide it. My call was not returned. 

XX/XX/XXXX -- Called again and was connect to XXXX XXXX, extension XXXX. She confirmed that we could resolve the matter, but that I simply needed to send them copies of the guardianship and conservatorship orders from the state of Colorado, and then call back a few days later. I emailed them to the email address provided : XXXX. I did not receive confirmation of receipt. 

XX/XX/XXXX -- Called and left a voicemail on XXXX XXXX 's extension. My call was not returned. 

XX/XX/XXXX -- Called and left a voicemail on XXXX XXXX 's extension. My call was not returned. 

XX/XX/XXXX -- Called an left voicemail on XXXX XXXX 's extension. 

The court date is XX/XX/XXXX. 

I learned of this debt that my mother owes in XXXX and immediately attempted to resolve it, but they are forcing me to go to court.

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 2023-07-01
Company: Chime Financial Inc
State: LA
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:
OnXX/XX/XXXX I received the email from time banking that my account was suspended for unknown reasons to me. I called the customer service for the past 3 days to get this situation resolved. They had given me nothing but the runaround, I even work with the company when sending it important documentation to verify that there wasn't any fraudulent action going on with my account. My account went for being suspended to close and now I can't get the money that I have in any of my. XXXX has officially left me out here struggling to take care of myself I'll come able to get my next paycheck. I have almost {$900.00} worth for funds that they need to send me immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I first had an issue with the engine light that appeared soon after the purchase of the vehicle in XX/XX/XXXX I also had an issue with getting title information so that I could get a plate and was told that it was being taken care of and I was issued another temporary tag in XX/XX/XXXX and found afterwards in the month of XXXX that the offices were closed because the company declared bankruptcy so I couldnt get my tag for my vehicle and found out that they never sent the title information to the bureau in Tennessee and just recently in addition to the issue with the engine light, on our way home from our XXXX holiday in XX/XX/XXXX our vehicles engine blew up which is related to a pre existing problem an oil leak that our mechanic told me was there had we known we wouldnt have purchased the vehicle so now we are stuck with a loan that which the sticker price was marked up from XXXX to XXXX. This is definitely predatory lending at its best.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had an hotel reservation on XX/XX/2022 for {$130.00} that I had to cancel due family funeral. I have tried to dispute through Capital One but they did the investigation but came back charge was put back on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Credit inquiry by cap one on XX/XX/23 that wasn't made by me. 
Credit inquiry by trust  on XX/XX/23 that wasn't made by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: AL
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 account XXXX, XXXX  account XXXXXXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX this accounts above 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 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 2022-07-07
Company: Tower Loan of Mississippi, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
The loan company has called me 2 times or more per day every week. They have also called my workplace as well as family members that I did not provide them with information on. I have asked them to stop calling my work phone and family members that they had no knowledge of. The problem has continued with harrassment including them stopping at my home to talk to me. I have gotten yelled at on the phone by the personell there when I am just trying to correct the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2019-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report shows several student loans that do not belong to me. My original student loans have been transferred and paid off. Therefore, there should not be any outstanding student loans still reporting to my credit report.

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 2020-09-10
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a prior collection dispute with Equifax for this same account that XXXX XXXX was inaccurately reporting. The account was successfully removed from my credit report after several disputes with the credit bureaus and a CFPB complaint was filed under ID XXXX and XXXX Now, the same account has illegally been reinserted onto my credit report under a different collection agency, XXXX XXXX XXXX. This is another FCRA violation. I did not receive any formal notice from this collection agency or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX {$700.00} was taken out of my account and I cant get an Answer since XX/XX/XXXX spent Many hours on the phone with no answers from customer service

Company response to consumer: In progress
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-15
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief