BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
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:
To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of XXXX, XXXX, XXXX.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 Act’s 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)-- CLOSED ACCOUNT --1. XXXX XXXX XXXX XXXX with ACCT XXXX opened on XX/XX/2015 with a credit limit of XXXX-This is not my account.-- AUTO ACCOUNT --2. XXXX XXXX XXXX XXXX with ACCT XXXX opened on XX/XX/2015 with a credit limit of XXXX-This is not my account.-- COLLECTION ACCOUNT --3. XXXX XXXX XXXX with ACCT XXXX opened on XX/XX/2015 with a credit limit of XXXX-This is not 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 non-monetary relief
Consumer complaint received 2022-06-17
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-06-07
Company: EQUIFAX, INC.
State: TX
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:
The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, High balance is inaccurate, date reported is inaccurate, Last payment is inaccurate, and payment history is inaccurate. This is grounds for removal, they also violated my rights under 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. 

Here are my complaint id 's for previous complaints against the bureaus : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Kashia Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I was approved for a online payday loan of XXXX  on XX/XX/2022 and went effective XX/XX/2022. This company obtained all my personal financial information such as checking account number, routing number, id, social security and address. 
I never received the money yet I keep getting notifications from XXXX XXXX that my information has been compromised. 
I have tracked down their contact information and address. I have called and called and can not get through to anyone. It says it will call me back. The address is a XXXX XXXX so i can not go to the actual place and meet with anyone. 
I dont know what i should do, as i am completely frustrated. 
Please advise. 
Many Thanks XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
At the end of XXXX and the beginning of XX/XX/XXXX I submitted a payment for my Banana Republic credit card for XXXX XXXX It was a time when Banana Republic was converting from XXXX Bank to Barclays. The personal check was issued to XXXX Bank. The money was withdraw from the account on XX/XX/XXXX by XXXX Bank XXXX never acknowledged receiving the amount of XXXX XXXX Every month I am receiving a Banana Republic credit card statements from Barclays for that amount including late fees every month. I am not using this card since the issue started back in XXXX XXXX. I made numerous calls and spoke to so many customer service representatives, relationship managers and supervisors, but they were not able to resolve an issue. The were keep reopening the cases XXXX after another over the XXXX past months with no resolution of the problem. As per Barclays, they never received the money and as per XXXX Bank, the check for XXXX $ was returned to Barclays. The check was never returned ( see attached documents from my bank and the letter from bank XXXX ). XXXX Bank keeps telling me that the money was returned to my bank, but they are not able to provide me or my bank with the proof. They acknowledged they experienced so many issues during the conversion period, yet they do not want to take responsibility for the missing money. As of right now, XXXX  months later, both XXXX bank and Barclays say they are unable to resolve the problem and they expect me to pay XXXX $ again. 
As of today, XX/XX/XXXX, I just received the statement from XXXX bank saying " .. your payment was included in XXXX  trailing payment request # XXXX, sent to Barclays Bank of Delaware on XX/XX/XXXX, XXXX at this time, we encourage you to contact Barclays Bank in order to provide the transmittal information and discuss the payment '' ( see attached document )

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
An unauthorized inquiry were made by XXXX on my credit report this was not recognized or authorized requesting immediate removal.

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 2022-10-27
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:
I have previously identified this XXXX account as identity theft and submitted the necessary documentation for it to be removed according to 15 U.S. Code section 1681c-2. Today I received a piece of mail from the company without my consent to obtain mail at this address and they do not even have the address correct. This is a further violation of my rights to privacy as a consumer.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXXXXXX : # XXXXXXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANKRUPTCY : # XXXX XXXX XXXXXXXX, Unknown : # 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 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 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 2023-01-30
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 sent letter i. mail but no answer back I checked a few things with a consumer advocate see a ton of errors so i reached out but nothing. No proof of showing these accounts are accurate. I feel i been violated in these areas below. See my supporting documents for more on this. They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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. According to : 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. 

Thank you for your time and efforts.

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 2022-11-18
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I would like to bring to your attention a scam which is currently underway at an online bank called XXXX XXXX which is owned by Webster Bank. I went to the site, XXXX XXXX XXXX, on, or about, XXXX XXXX, to get a high interest savings account that being advertised. At the time they were offering 2.8 % APY. After the account was opened, I assumed I was getting that return. I was not. 

Now they are advertising 3.75 %. I am receiving 2.127 %. My account says it is a XXXX XXXX savings account. Nowhere in their application process or online do they mention a low interest rate savings account, I was never given any option for a low interest rate account. I clicked the button below the high interest rate offer on their homepage and was lead through the simple process never told I would be getting low interest. 

I have attempted on numerous occasions to call and to send secure messages through their online portal. I have never received any response. 

They should convert my account to the high interest savings and give me retroactive interest to the day I opened the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital one has me a a charge off which is not correct my pmt was mailed as u can see the discrepancies in th3 dates I have called complained dispute over and over I paid my balance and informed tech to close out my account BUT they didn't close it they left open which I didn't know and was continued being billed or whatever but I paid and closed now im charged off which is totally Inaccurate they want work with me i have only a few things on my credit we was in process of closing on house and I needed this removed but now I've lost earnest deposit everything I offerd to pay what ever they say i owe but will not remove or at least change to current

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I argued with this company for months over the amount that they were billing. They kept billing me incorrectly, so I told them i wanted to end our relationship. i cancelled my service and they billed me again. I have not done business with this company since 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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'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 2023-10-14
Company: Certegy Holdings, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Certegy Payment Solutions denied 13 out of 23 checks Intried cashing for no reason at all because there is nothing in my personal file yet thier customer service representatives are rude and liars. They keep saying it can be my file and they sent me my file and there's nothing bad in it. They also told me my check was not good when all checks I tried cashing with then or cashed with them were always good. The store says call the number but they just get rude with you and say can't cash it st any store have to take it to bank iynis writing off of. I live in remote area where we don't have XXXX  XXXX XXXX etc and for no reason at all Certegy denies most of the checks I cashed in last 24 months even though every check I cashed was good.

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 2023-02-19
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have been trying to correct my credit report for several years. Most recently, I discovered in accurate information on my credit file. XXXX has 8 name variations listed on my credit report. I submitted disputes in XX/XX/2019, XX/XX/2019 and XX/XX/2019. I spoke with two representatives today, XXXX within the Impact Team and XXXX on the Fraud Team. Both informed me that they could not correct or remove the various names because they were being reported by creditors. I explained the name variations should be removed because I have only had two legal names verifiable by the Social Security Administration. These would be my given birth name and married name ; any other variation would be incorrect and would need to be removed from my credit file. Both representatives refused to address this issue. I was informed that I would have to wait for an investigation to be completed to determine if any changes would be made. In addition, I explained to both representatives that the name variations were most likely the result of identity theft of which I provided a copy of the identity theft report and affidavit.

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 2022-10-27
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: 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