BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2020-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for A Capital One for myself and my son ; I'm his XXXX. I was approved for {$1000.00} & my son was approved for {$3000.00}. Since ; he did not have debts in his credit reporting. On XX/XX/20 I called Capital One and verified the promotional date for charges with no interest until XXXX. XXXX verified that my promo expiration date is XXXX. I verified again on XX/XX/20 at XXXX XXXX with XXXX for promo expiration date and said it was XXXX. At XXXX I emailed officials but received no response. Capital initially issued a Capital One Platinum Master card. But then, without our request, Capital One reissued a Capital One and changed it to QuickSilver Master Card in the name of my son, XXXX XXXX. I'm his XXXX, have XXXX XXXX XXXX and his payee. His current XXXX Statement Interest charge was billed for {$39.00}. No interest was charged in XXXX When we were in the middle of purchasing a house ; I was trying to get him credit to qualify us for a house purchase in which we moved into 3 months ago.

I know he's in a promotional no interest plan until XXXX like I am with my QuickSilver Visa in the name if XXXX XXXX . I'm still on a promotion period and I applied for them at the same time. They need to honor their promotion for him ; just because they reissued and rename his card does not mean they should terminate the promotion without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account Name : 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 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I sent a letter on XX/XX/22 to Capital One regarding credit inquiries. I have not applied for any credit and I have placed fraud alerts on my account. If someone tries to open credit I will be notified. I tried reaching out to the the company to resolve this issue but I have not heard anything back and it's still reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Nudge Funding, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Its been 4 months and still nothing from Box Loans. Enter at your own risk, Beware of these guys. You're better off keeping your current mortgage vs. attempting to complete a refinance with these guys. Not consist and always have an excuse for their mess ups. Management needs to realize that the people representing this company is a reflection of them. But again, when you're making money, giving people the run around, and lying to cover your tracks, I don't think one customer would make a difference to them. Four months to complete a simple refinance is unacceptable, but again its due to COVID-19. These guys have yet to say, we are weak, don't have the man power to make thing happen in a timely manner. Just man up and say we XXXX  up, and we are very sorry for the XXXX  we are giving you. As of today, I am still waiting on a REAL manager or the President/CEO of the company to contact me regarding the several issues I am experiencing. This has cost me time and money, not to mention I was going to give them two more properties to complete on my behalf. I have gone through 3 seasons and still don't have this loan completed. It doesn't make sense for my clients or friends to start a refinance 2 months after me and complete it a month ago, and got better over customer experience/customer service. I will have my attorney file a formal complaint within the federal and state level regarding this matter. Your action throughout the entire process has lead to conclude I am a victim of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Bread Financial Holdings, Inc.
State: NY
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 Comenity Capital Bank XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states 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 consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I'm a natural person.I 'm an human being. I have a right under 15 USC1681. XXXX is govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC1681. I have a right to.privacy and i.did.not.give XXXX written permission to furnish these accts. XXXX XXXX XXXX acct # XXXX in the amount of XXXX. XXXX XXXX XXXX is the seller..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Dear XXXX, Equifax, XXXX. 

I stand up and raise my right hand to XXXX that I am XXXX XXXX, the real XXXX XXXX with no assistance from anybody else.I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by the baddest people on the dark web. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .I bet y'all can't do that huh? If I consented to these inquiries, then please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). I will sue y'all so good if he tries to lie on me just so yall know. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. y'all need to do it asap because y'all playing with my credit score out here. Having these False and misleading inquiries reporting to my credit report is very damaging and is killing my ability to purchase a new car so I don't have to catchh the bus no more. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also I have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission so you know it's not a game. I want you to remove out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140 and release my title lien free. I also want compensation in the amount of { {$1000.00} } per violation for all the damages that I received to 15 USC 1681n.This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was just trying to transfer my money in my savings account with Citi back to the checking account I have with XXXX since they were giving me major headaches in terms of being able to even access MY VERY OWN MONEY. I started by trying to transfer {$10000.00} ( the max daily amount ) back, but I was met with the same old " transaction blocked '' and that I have to call their number at XXXX. This same process has been going on for weeks. I try to transfer money, I call to have the transfer go through, they put me on hold to transfer me to another department, the block gets lifted, I try to transfer it again because they say it should be all good, and back to the very start where my transfer gets blocked and I have to call again. I tried to get it resolved with the citi executive response unit originally at phone number XXXX where I was able to open up a case with them, but they told me to just follow instructions I got from a letter in the mail. Even after doing that, it just started me back on the cycle again. I need this money now more than ever now that my grandmother in the XXXX has died this past weekend, and I fear I will never be able to get MY money back in a timely manner to be able to help with my family there, not to mention being able to keep up with my own monthly payments as a young, newly XXXX, unemployed XXXX old that is not making a lot of money. I have had to put my life on hold because I can not use this money to invest into my education further. Nothing I do with citi 's phone numbers and teams leads to anything helpful, and I am absolutely sick of having to deal with them. I just want the {$25000.00} from my savings account with them out and back with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, 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:
remove fcra violations : see attachments they don't even have my number right? 

( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential ( XXXX ) XXXX Cellular XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Account charged off. {$17000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Closed. {$17000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$280.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4600.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: CITIBANK, N.A.
State: WA
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:
This is regarding the issue with XXXX  Dispute Amount of {$1200.00}. Based on a phone conversion with XXXX XXXX XXXX XXXX on XX/XX/XXXX I have decided to take the XXXX online program based on the condition that, the schedule will be convenient with my working schedule. She told me, I can only see the schedule of class once I take the course by providing the payment information. So I gave my Citi-Costco card as payment method. After some time, their XXXX site enabled me to view the Online -Live class schedule. It was not align with my work schedule. The next day ( XXXX XXXX XXXX ) I emailed the sales rep about my request to cancel the course. Because I didnt see any response, I called her and told me she will work with backend team to cancel my registration. Then next day I emailed the rep reminding again about the cancellation. Then on XX/XX/XXXX, after 2 weeks, I got a Citi Credit card alert about a {$170.00} charge from XXXX. Then I contacted XXXX and they told, 7 days cancellation period is over, but I can raise a ticket with XXXX, with the email proof and I did as he instructed. But nothing happened for 2 days. I filled a dispute on XX/XX/XXXX. Then I noticed another charge on XX/XX/XXXX of {$170.00}, which I disputed again. I called Citi Credit card and asked them to block my card from anymore transaction from XXXX and they advised me to cancel the credit card from future transactions. I cancelled the card and received new card. But after that on XX/XX/XXXX again my credit card got charged for {$1200.00}. This is this questioned dispute, which I contacted Citi again. They told me to dispute the amount. I sent all the relevant documents to Citi cards for my dispute. Now Citi came back and said they can't process the dispute, because merchant is not paying back. I did everything what Citi asked me to do from my side before the merchant making anycharge. But Citi ignored and allowed to make the charge on my card. Now saying they can't help me on reverting the charge

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX XXXX Account # ending 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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXXXXXX, XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 2020-02-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have done business with ace cash express in the past and was able to pay the loan/s off. So this time around I ended up needing to take out another loan with ace cash express I Bel it was like last year. And because I was having trouble making ends meat at that time, I haven't been able to pay them back this time. My plan is to pay it back. Well today our of snow I receive an agressive call by a unknown number in XXXX. He stated that I was going to be sued and that my case was redflagged and that they were getting ready to take me to court and that if I didn't make a payment they were going to continue with the he summons. I am so scared right now that I cried. And am still shaking. He gave a case # XXXX and to call this attorney at XXXX to stop the civil suit against me and to ask for a " Stop order on case '' .And he said, I had two case 's that were so serious and had been filed against me that I was en serious trouble. So I called that number and the man said he was an attorney and I gave him my information and he threatened me that if I didn't make a payment here soon, I was going to jail. He said, I owed ace {$1800.00} and I gave him my bank information and my card number. And he forced me to make XXXX $ payments every two weeks, in which I don't have. I hung up. I looked online and there was my account open and unpaid in the amount of {$1700.00}. He said I have to make 6 1/2 payments. If I did not comply they would severe me and I would go to jail. I am really scared right now. My XXXX XXXX flew off the roof. I have never been threatened before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: TN
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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are requried to Promptly Delete All information that is inaccurate, incomplete, or which cannont be verified. it is also my understanding that under thr FCRA 15 U, S.C. 5 1681i, every single one even each and any or all the un proven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly neegated in its entirety or the alleged accounts are to be completely deleted. The following derogatory accounts allegation are either untrue, unverfied, incorrect, not mine, not my responsibility, or otherwise NOT PROVEN COMPLAINT to regulatory fedeal reporting laws and or standards and MUST be removed. The following accounts are reporting on XXXX, XXXX, Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation