BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: IL
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:
A XXXX late payment was occurred on a XXXX Credit Card Account during the XXXX pandemic, as I never received a statement or phone call alerting me of the past due balance. Immediately upon receiving an alert from my credit monitoring, the account was paid in full. It still reports negatively on my account. The credit bureaus have not removed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In XX/XX/XXXX I lost my XXXX XXXX credit card & I have contacted the credit card company. When I called them to report that credit card is lost figured out that there is a purchase of {$850.00} on my card for a Camera. I filed a dispute & they sent me a new card with a new number then in XX/XX/XXXX found a letter from credit card company say that dispute was declined & they will charge me the amount of the Camera. When Contacted them again in the beginning had a very rude representative who refused to help me & hanged up the phone & when I called again another agent was so helpful and opened another dispute claim then now in XX/XX/XXXX they delcined the dispute again sending me in mail that I have to pay this amount without even showing any evidence why the declined the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the unverified and inaccurate account from XXXX XXXX with Equifax on XXXX XXXX, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Request to delete inaccurate information relating to XXXX account To whom it may concern, I am writing to dispute a collection that is currently on my credit report. This collection is due to identity fraud. This discrepancy started with a XXXX Collection in XX/XX/XXXX under the name of their collector XXXX. Shortly after discovering this XXXX account on his credit file with your company, I contacted XXXX and disputed the collection as not mine. I spoke to a XXXX representative who informed me that the collection would be removed since 1 ) I never lived in XXXX Colorado and have not visited XXXX since XXXX. 2 ) I am and have been an XXXX XXXX XXXX employee since XXXX ( add if he is provided with free phone since that time ). Since XXXX, the collection has been disputed, removed and reinserted on my credit report with your company at least 4 separate times ( the last time being in XX/XX/XXXX ) .This is very frustrating that this is allowed to happen. Nobody from your company has reached out with me in a fashion to permanently resolve this.. The collection item for XXXX has appeared on my Credit report under 3 different collection agency names XXXX, XXXX  XXXX and XXXX. 
At this time, I am requesting you to please permanently remove this fraudulent collection from my credit report. My wife and I are currently trying to get financing for a home but are being stymied because this adverse collection item is adversely affecting our ability to obtain this mortgage loan at a fair rate. Feel free to contact me if you need further information to demonstrate that this was not my account. 
Sincerely, Timeline : XXXX No XXXX Collections XXXX XXXX Collections on CR - XXXX   Contact XXXX Disputed on all Credit Bureaus XXXX Collection Removed XXXX Disputed XXXX  via XXXX XXXX, disputed XXXX  and Equifax via websites XXXX Collection back - XXXX XXXX ( as of XX/XX/XXXX ) XXXX Collection still on CR 's XXXX Collection removed XXXX Collection reinstated - XXXX XXXX XX/XX/XXXX submitted to CFBP -> FTC Disputed all Credit Bureaus XXXX Collection still on XXXX  and XXXX  XXXX Collection still on XXXX  and XXXX  XXXX XXXX XXXX XXXX XXXX Collection Removed XXXX Collection reinstated with XXXX- XXXX XXXX  XXXX Collection reinstated with XXXX  - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a matter of concern regarding the sharing of bankruptcy information on my consumer report, which I believe is in violation of 12 U.S. Code 5229. 
Also, Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a inregards to specifically sharing the information of a Bankruptcy on my credit file. 
I am seeking your assistance in addressing this issue to ensure the protection of my privacy and rights under the law. I am seeking to have this item removed from my consumer report. 
XXXX XXXX Bankruptcy Case Number : XXXX DUE TO THIS ITEM REPORTING IN ERROR, I REQUEST REMOVAL XXXX XXXX  Bankruptcy Case Number : XXXX due to this account reporting in error please delete it

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 2022-10-05
Company: Experian Information Solutions 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:
I have made several complaints regarding the unauthorized account in my in name by XXXX. It was removed from my credit on experian several years ago and reappeared in XXXX. I have been complaining and asking for proof. I submitted a police report. I have now contacted XXXX who told me they have no contract signed by me or any verifiable information. They still refuse to remove from my credit. Please help me as I have asked for your help several times. This is illegal to continue to put a fraud account on my credit without being able to verify.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The original creditor XXXX  XXXX removed the account beacuse it wasnt mine. The company that bought XXXX XXXX it kept it on with a last payment date that wasnt on the original date. The collector who bought it stated a last date paid was wrong beacuse they never recieved a payment from me.

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 2022-11-03
Company: SYNCHRONY FINANCIAL
State: NH
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:
On XX/XX/22, an autopayment of {$100.00} was applied to my CareCredit account. On XX/XX/22, I manually paid {$2700.00} to pay off my account. I then switch my autopayment from a specific dollar amount to Statement Balance to pay any future balance. 

On XX/XX/22, I received a letter from you that my autopay had change to {$0.00} and will be posted on XX/XX/22. However, on XX/XX/22, an autopayment of {$2700.00} was erroneously deducted from my bank account. This transaction was not legal. 

The payment was rejected because I only had about {$2000.00} or so in my account, not expecting an unauthorized debit of {$2700.00} from CareCredit. 

On XX/XX/22, I receive a letter that CareCredit has closed my account because I had two rejected payments. There is no record of a 1st rejection on your website. And the second rejection was an unauthorized, illegal debit from CareCredit. 

I have been a 20-year +customer, never had a late payment, and generally pay off my balances within the six-month promotional period. I called CareCredit three times, but I was told that no one could not reopen my account. So, I have subsequently filed three consumer complaints as noted and attached. 

My hope is this mistake was not intentionally in violation of the FDIC, XXXX XXXX XXXX XXXX, and other related financial regulations, but nevertheless, it needs to corrected. 

I would like my account reinstated immediately. I need this account for my pets in the event of illness or other unexpected vet bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05
Company: EQUIFAX, 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 XXXX XXXX {$3300.00}, Actions taken-disputes filled with proof that car was paid off by insurance on XX/XX/XXXX. They are reporting late payments with different amount on all three bureau 's XXXX, Equifax $ XXXX XXXX XXXX {$3300.00}. I've tried several times but no-one will assist me any further. 

This is a violation of section code 15 U.S.C 1681G Law Violation XXXX XXXX XXXX is reporting inaccurate payment history on all three credit bureau 's. They are reporting late payments with different amount on all three bureau 's XXXX, Equifax and XXXX. I've tried several times but no-one will assist me any further. They even overlooked the late payment laws for covid XXXX. 

This is a violation of section code 15 U.S.C 1681G Law Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed a dispute with Experian for a XXXX XXXX credit card account that appears on my credit report twice. I've only had one credit card with XXXX XXXX but two are being reported. I filed several disputes, and talked to the appropriate department but this issues stll hasnt been resolved. My latest dispute was in early XXXX of XXXX XXXX XXXX verfied the inaccurate information on my 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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several investigations and according to the law 15 US code 1681ito Transunion and I have not had a fair, accurate and complete investigation. They sent me back the results within a day or two which makes me believe they haven't spoke to anybody or confirmed any of the information listed in this complaints are mine.

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 2023-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX  and XXXX  of XXXX were the worst months of my life. I lost my wallet while out shopping at a grocery store, XXXX XXXX located at XXXX XXXX XXXX XXXX ca XXXX. During my visit I somehow proceeded to leave my whole wallet. Inside the wallet included my physical California drivers license, my social security card, a copy of my birth certificate, my personal medical card, & XXXX XXXX XXXX XXXX I was not able to obtain back any of my personal information. Thus has caused me to be a victim of identity fraud, Ive had fraudsters try to open up more bank accounts in my name, unfortunately they were successful when opening a capitol one credit card account On the date XXXX XXXX  for a limit of {$3000.00}. The reported balance now is a complete total of {$3600.00}. I have absolutely no knowledge of this account and I believe that they arent finished just yet. My whole identity was stolen, this has been a constant burden on myself and my family, not knowing when my name will be used without my knowledge or permission isnt a way to live. I have attached my police report and identity theft report to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX contacted XXXX XXXX after a threat of lawsuit over " NSF XXXX. '' I advised the organization that the debt is from XXXX and exceeds the statute of limitations for legal remedy in Texas. The agent advised that the statute of limitations for " independent debt '' is 20 years. I advised the agent that if I am sued over this, I will counter sue and win. The agent advised that they would be closing out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
PNC has mismanaged paying for from my escrow and keeping insurance on my property. They failed to maintain coverage and for 6 months or more, I had no knowledge of this. FHA requires this coverage. They have washed their hands trying to resolve this issue they caused, and instead have sent me XXXX letters threatening to add high-expense coverage on my loan at my expense. Below are the details of the situation : Background of the Issue after I found out my insurance coverage was canceled while trying to file a claim for damages : XXXX. On XX/XX/XXXX, I spoke to a XXXX representative, XXXX XXXX XXXX, who informed me that my policy had been canceled on XX/XX/XXXX, due to nonpayment. XXXX XXXX failed to provide further details or discuss potential reinstatement options. 

XXXX. Upon this revelation, I immediately contacted PNC Bank, my mortgage company, to understand why a payment was not remitted from my escrow account. As mandated by HUD, I am required to have continuous insurance coverage. 

XXXX. On XX/XX/XXXX, I was informed by XXXX from PNC Bank about the following : On XX/XX/XXXX, PNC remitted a payment of {$1500.00} to XXXX, part of a total amount of {$40000.00}. 

Records indicate XXXX cashed the check on XX/XX/XXXX. 
Surprisingly, the payment was returned to PNC on XX/XX/XXXX. 
PNC took no further action as to why the check was returned despite the requirement to maintain insurance per FHA guidelines. 


This situation has caused undue stress, and I seek your intervention to ensure a swift and fair resolution as they continue to mismanage my loan. 

Thank you for your attention to this matter. I look forward to hearing from you soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Capitol one raise credit limit with my authorization.and paid budget and XXXX XXXX XXXXhad me change credit card number claim they won't pay them. charge me late fees. reported late to all credit bureaus.after payments made. 
Charging my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM A VICTIM OF FINANCIAL IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW US BKPT CT IL XXXX # XXXX US BANKRUPTCY COURT # XXXX US BANKRUPTCY COURT # XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe 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 2022-11-30
Company: EQUIFAX, 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 account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( 1 ) Account name XXXX account number ( XXXX ) ( XXXX ) Account name XXXX XXXX XXXXXXXX account XXXX ( XXXX ) ( XXXX ) Account Name XXXX XXXX XXXXXXXX account XXXX ( XXXX ) ( XXXX ) Account Name XXXX XXXX account number ( XXXX ) 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 states a consumer reporting agency can not furnish an account without my written instructions 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