BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I sent a complaint to Transunion Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my TransunionCredit Report. That means Transunion failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX CO ) Balance {$79.00} XXXX XXXX   ( Original Creditor : XXXX XXXX XXXX CO ) XX/XX/2021 2021

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 2023-02-15
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:
Back in XXXX of XXXX I applied for unemployment about a week later I caught XXXX and I was in a XXXX  and XXXX  for months on end. When I finally got to be released home from hospital I had to have someone care for me while I did therapy then my mother caught XXXX and XXXX XXXX so during this time I did not receive any mail from XXXX all the way until XXXX of XXXX I got a notice from the irs stating i owed taxes on funds from XXXX so I called XXXX they confirmed that a card had been issued and that I should call BofA so I did and BofA confirmed that my card had been activated and the funds were gone and not only did they spend my money they even reported fraud and got the money paid out to them again.they completely took over my account and so I made a fraud claim of my own back in XXXX of XXXX and they only replaced about {$4000.00} of my claim and then denied me the rest of my claim stating that they already paid me the money so basically they confusing me with the person who stole my card from me even after I explained my claim to them just like Im doing now and this has been ongoing since XXXX of XXXX. I really need some help please.

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 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
At the beginning of XX/XX/2023 because of ongoing problems with Capital One after an hour on the phone I closed my account. I also sent two letters on XX/XX/2023 ( 1 ) one in response to a ridculous letter with them threatening to close the account after I had already closed the account; and ( 2 ) a letter confirming that the account was to be closed and requesting returning the {$1000.00} deposit. When I closed the account by phone they told me that they would not apply the {$50.00} in rewards which I had earned. 

I try not to use the phone because of a XXXX  XXXX but in violation of the XXXX XXXX XXXX Capital One forces a person to use a phone and refuses to use email. I do not answer phone calls. I only respond to emails and snail mail. 

In XXXX I received a statement showing a credit balance of {$38.00} and a rewards balance of {$50.00}. The cash total which should have been returned to me was {$1000.00}. 

In XXXX I received a statement with XXXX in false charges. I returned the card in XXXX to Capital One along with the letter. Every charge is fake and they have yet to return the money I am owed. 

Capital One is a total scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28
Company: ID Analytics, Inc.
State: WA
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:
I recently applied with a credit card to XXXX / XXXX XXXX XXXX. The agency they were using is SAGESTREAM , LLC with a creditor of XXXX XXXX. 

I have good credit ( XXXX according to XXXX  ) - but was denied a credit card for murky reasons : Sage LLC Credit Score : XXXX Key factors that adversely affected your credit score : 1 ) Too many delinquencies ( I have no delinquencies ) 2 ) Number of inquiries ( No inquiries were made this year XXXX ) 3 ) Number of telecommunications inquiries ( I don't know what this is ) 4 ) Applicant associated with multiple phone changes ( I recently changed by cell phone provider because I moved, I have no phone delinquencies ) 5 ) Inquiries did adversely affect the score There is no way to contact SAGESTREAM or XXXX  about this. 

I see others have had the same problem when I check the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In my last communication with EXPERIAN, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an affidavit of truth. My next step will be a civil suit.

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 2019-04-20
Company: RIA FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have used Walmart to Walmart many times to send & receive money. I was diagnosed with XXXX XXXX in XX/XX/XXXX, ended up having 6 XXXX, XXXX and XXXX treatments. I was out of work 10 months and accumulated medical bills over {$250000.00}. As a result of my illness all my bills are behind. My aunt was kind enough to send me {$2000.00} XX/XX/XXXX as a loan until I am able to get back on my feet and repay her. She did not hesitate as I had done the same thing for her when she needed a loan. I went to Walmart and gave the customer service rep my ID and ref #. Only to be told at XXXX XXXX the transaction was on hold and my aunt had to call the RIA Money Transfer customer support team number : ( XXXX ) XXXX at the top of the receipt. I called her back and she immediately called They asked her to verify her info, my info, how we were related and why she sent me the money. She answered all their questions and was placed on hold 3 times because she was on her cell phone with me while she spoke to RIA on her home phone. They told her there was fraud and my aunt said there was no fraud because she confirmed she sent the money to me. Needless to say they would not release the money to me but they had no problem taking my aunts money to begin with and she said they never once told her about any fraud when they gave her the receipt with the reference #. Their own website says you can send up to {$2500.00} online and any over this amount to go to Walmart or agent. This company is the worst. Why is that Walmart feels the need to use an international company that they know is ripping off their consumers. They never want to take responsibility even though they are pocketing our money. Please help ... my aunt lost her fianc and daughter 2 months a part and she took care of me when my mother died. I do not want this company to scam her out of her money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX # 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 an 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 or 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 2022-04-28
Company: Experian Information Solutions Inc.
State: NJ
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:
This company has violated my rights. 
XXXX XXXX XXXX Account # XXXX 15 U.S. Code 1692g Failure to VALIDATE debt.

15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permissio
n of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681 section 602 A. states I have the right of privacy.

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

15 U.S.C 1692 ( B ) ( 2 ) not state that such consumer owes any debt ; 15 U.S.C 1692 ( B ) ( 4 ) not communicate by post card.

15 U.S.C 1692 ( B ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Transunion has failed to Address the reported XXXX  Account, shown in Exhibit C and B-1 XXXX has failed to remove the inaccurate accounts and inquiries in Exhibit C and Exhibit B-1 attached to the Affidavit of XXXX XXXX XXXX XXXX. This is the last and final attempt to rectify this matter before seeking civil action with the affidavit and evidence. 

Attached you will find the most recent credit report. XXXX  is largely unaligned and misreporting inaccurate information unlike their peers Transunion and XXXX. 

For additional damages and facts regarding the matter please the Attached affidavits. 

Pursuant to FCRA 611 ( a ) ( 7 ) XXXX  has not provided a description of methods used in investigations requested within 15 days. I requested to see a complete list of all documents and correspondence with all names and contact information of employees that you spoke to as part of this investigation. I requested if e-oscar was used please show verification for Metro 2 compliant data. 

I have not received any certifications of accuracy or copies provided for investigation of the named accounts and inquiries. 

Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX  has not blocked the information as requested in the original letter meeting all the legal requirements and opted to ignore the request unlike their peers. XXXX  has not provided XXXX  is in violation by vicarious liability for False or Misleading Representations 15 U.S.C. 1692e, Furnishing Certain Deceptive Forms for Verification 15 U.S.C. 1692j, Unfair practices - 15 U.S. Code 1692f with reporting inaccurate information obtained by false pretenses. 

XXXX  did not abide by the listed inaccurate accounts FCRA 605B ( 15 U.S.C. 1681c-2 ) after I provided all the requirements, affidavits, police reports, and letters. No notification was provided to myself, the consumer regarding declining the block ( s ) of the requested accounts. 

Given the duration and frequency of notice regarding this matter XXXX actions are construed as willful noncompliance. 15 U.S. Code 1681n - Civil liability for willful noncompliance.

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 2023-03-09
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I changed my homeowner 's insurance around XX/XX/XXXX. My Mortgage company ( Mr. Cooper ) sent my new payment to my new insurance company on XX/XX/XXXX for the amount of {$770.00}. However they sent the payment to the wrong account number. On XX/XX/XXXX my insurance company cancelled my coverage due to lack of payment. When I discovered this I contacted Mr. Cooper in an attempt to resolve this. After going back and forth I finally just created a new policy on XX/XX/XXXX and asked Mr. Cooper to get my {$770.00} back from XXXX XXXX. 

Mr. Cooper then sent me a note stating that since I did not have coverage from XX/XX/XXXX to XX/XX/XXXX they would purchase a more expensive policy for me to cover the lapse. I called them and stated that since the mistake was not my fault, that I should not pay for the insurance. The representative told me that when the payment was taken out of my escrow account I should call back and dispute the payment. On XX/XX/XXXX and additional {$680.00} was taken out of my account to pay for this insurance lapse. I called Mr. Cooper and they said they would refer this matter to their " research department '' and that it would take 7 to 10 days to resolve. It has now been 10 days with contact or resolution to the issue. 

I have called several times and have had to explain this scenario to a new customer service representative each time. I was finally put in touch with an escrow supervisor who stated that this was an insurance matter and I would have to speak to an insurance supervisor. I was put on hold for several minutes and then my phone call was abruptly disconnected. I called back and was told that a supervisor was not available. The customer service representative left a message stating that a supervisor would call me back in 24-48 hours.

At this point {$1400.00} of my escrow money ( the {$770.00} payment to the wrong policy and the {$680.00} for the lapse in coverage policy ) has been misappropriated from my account. I have called numerous times only to be told to wait another 7-10 days with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am writing to request the removal of a debt from my credit report in accordance with consumer protection laws. The complaint I filed under reference number # XXXX XXXX XXXX has taken more than 30 days to be resolved, which I believe entitles me to have the debt removed from my credit report. 

As you may be aware, the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate and respond to disputes within 30 days of receiving them. In my case, I filed a complaint with your agency more than 30 days ago and have not received a response or resolution to my complaint. I understand that the XXXX has the authority to enforce the FCRA and ensure that consumer reporting agencies comply with its provisions. I am therefore requesting that you take action to have the debt removed from my credit report, as I believe that the creditor has not provided sufficient evidence to justify its inclusion. I appreciate your attention to this matter and look forward to hearing from you soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
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:
Account was not changed even though I asked for a report and or original file. Under law 15 USC1681g I am due that process through an investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
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: Reporting company used your report improperly

Complaint:
Today, I am writing this complaint to Equifax regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: MI
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:
This letter serves as my lawful and rightful consumer declaration of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this declaring represents my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately put together a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository!

Sir/Maam, I am writing you with this formal objection of claim ( s ) as reported when reported and a suggestion for adequate movement on your part. You are erroneously reporting notcompliantly to the XXXX XXXX Equifax and damaging my credit. You a r e acting in nonobservance of the FCRA aka the Fair Credit Reporting Act. The infraction ( s ) should be subject to fines and damages. I am providing you but this one last hope for suitableness of this account. Previously, I had sent you a letter advising you that you were inappropriately reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to modify appropriately my file. Due to your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it insinuates that my forwarded notice was disappointingly abhorred.

Company response to consumer: Closed with non-monetary relief