BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 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 2020-03-29
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:
I have contacted Experian & explained that I have been a victim of Identity theft, I have sent you a police report, ID, social security card & identity theft report. You keep reporting the following accounts that I have requested that you delete & block in the past. These accounts for XXXX XXXX  {$300.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$1500.00}, XXXX XXXX {$400.00}, XXXX XXXX XXXX, Along with several accounts from DEPT OF EDXXXX. These are not my accounts and I am asking that this information deleted & blocked 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 2020-05-07
Company: PNC Bank N.A.
State: OH
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:
Account was opened XX/XX/XXXX, XXXX credit limit i was in hardship with losing job they continued to report the account late, after being told of this hardship. the account was closed, and i paid the account off now they are refusing to remove the account or late payments and they are not reporting the card or balance anymore last update was XX/XX/XXXX its XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Credit Karma, LLC
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I check my credit scores via credit karma, XXXX XXXX and XXXX  have arbitrarily and with out just cause lowered my credit scores XXXX by 38 points and XXXX by 51 points. I have recent inquiries and am update on all payments. They refuse to take my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Avant Holding Company, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have XXXX credit protection due to breach at XXXX records and my personal information was stolen. I was sent an alert that a delinquent account was held in my name at Avant in XXXX. I contacted them a told them I had never opened an account with them and that it is a case of identity theft. I was told I needed to send them a copy of a police report and a sworn affidavit. I did this and it was received by Avant on XX/XX/XXXX ( usps tracking number XXXX. I emailed them and informed them I sent the information and received no response so on XX/XX/XXXX I sent another email with a picture of usps tracking info and told them I would file a financial complaint against them if I did not heard within a week that their complaint against me was not resolved.. The next day I received another email thanking me for sending the information and that they were going to send letter to XXXX to closed their complaint against me and it should take a few weeks. On XX/XX/XXXX I received another alert from XXXX of credit collection against me by XXXX XXXX XXXX XXXX on behalf of Avant web bank. I contacted XXXX and together we called AVant and we were hung on, we called back and asked for a supervisor and he refused to talk with us and he never tried to return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I live in NY which is the hardest hit with COVID19 I am NOT essential personnel and have been ORDERED To remain home on quarantine. In this time I have been unable to work whatsoever and all money is to survive and buy basics until we are allowed to work again. I have tried to contact Capital One since this whole thing has occurred. For WEEKS not days but WEEKS when ANY number on the email or back of card is called it would just explain that the call volume is too high and would just hang up. I sent emails as well LONG before my payment was due. Now I am STILL expected to pay minimal payments for the month and the only help this company is willing to offer now that they are destroying my good credit with lates being reported to the credit agencies as I have been told by Capital One staff today since I was finally able to get through. My Issue is that being under a governmental state of emergency with no income how exactly does Capital One expect anyone to pay their bill when ALL other companies offer programs to postpone these things? They are RUDE and the so called management I spoke to explains that you can not speak to her boss. So I asked " Are you as high up in Capital One I can talk to? '' and she said " YES '' that I am unable to speak to anyone higher. So I explained with that rationale then is there anything more we can come up with to help in these hard times? And I was told NO. Capital One is a TERRIBLE company with no care for anyone else no matter what is going on in the world and I am registering my situation here that others may register theirs if they are frustrated that to keep their good credit they have to part with money that is supposed to be used to eat when you are not working and make sure they pay it to Capital One! 
My complaint concerns : a Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023, I cashed a check drawn from Wells Fargo bank at Wells Fargo bank branch XXXX XXXX at XXXX XXXX. I was told that I would be charged {$7.00} to cash the check. I argued that the check was drawn on Wells Fargo. The clerk refused to cash the check unless the {$7.00} was paid. The clerk informed me that they passed the cost to the consumer because the company that prints the checks would not pay a fee for processing the check. I had to cash it because Im from out of town and dont want to use check cashing companies. I feel that there should not be any fee for cashing a Wells Fargo check in a Wells Fargo bank. XXXX, Florida is where this branch is located.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
In XX/XX/2023 my TransUnion Credit Score dropped from XXXX to XXXX  because there wasn't enough information on a loan I supposedly have. I don't have XXXX XXXXXXXX XXXX right now, I'm not applying for loans, and their credit report on me correctly shows I have no loans. I would like my old score returned to reflect the fact that this information they think is missing doesn't exist.

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 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX 2022, Capital One Bank froze my account due to a transaction being disputed. They told me they would need to close my account account and mail me the remaining balance which at the time was {$26000.00}. After many attempts to close out the account, they still have not closed it. It has led to the account incurring interest so the total amount is now at {$26000.00}. They also had said on a phone call that my case advisor left and they forgot to reassign my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/XXXX I noticed a hard inquiry on my credit report for a credit card application from Barclays Bank Delaware. I had not sent an application and promptly contacted Barclays bank that day. I was told I had made this application but I was able to prove I had not. Barclays agreed it was fraud and they would cancel the application and mark as fraud. I heard nothing until XX/XX/2023 I received a letter from Barclays Card services wanting more information for my Frontier Airlines Mastercard. I again contacted Barclays who said they have no record of this application, I read the application # XXXX to them which they accepted and said that application was cancelled. I informed I had a hard inquiry from them on my credit report that was identified as fraud and needed this inquiry removed from my credit history. I was told this was my responsibility and I could sent documentation to initiate a investigation. They had in their record that the app was fraud but insisted my credit report was my responsibility and all they could do was investigate to determine status. I need inquiry removed from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Client Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple calls through the day ( 2-3 ) all from the same area code but changing constantly so unable to block. Numbers are from the area of XXXX, Missouri. Have told them " stop calling this number '' repeatedly. This has been going on for months. They rarely talk. It's often a hang up, but one of them finally identified the company as " Client Services Incorporated. '' Which is some kind of debt collector according to the web site, which means they potentially violating the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a Barclays credit card in my name on XX/XX/XXXX with a credit limit of {$14000.00}. This was not me. I already had a credit alert on my name from XX/XX/XXXX after someone opened an XXXX account in my name. However, Barclays never contacted me for further Authentication when granting the $ XXXX credit card to the scam artist.

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 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received numerous calls and was even reported to the credit bureaus for a debt that Ive disputed numerous times. Each time the debt was disputed. I was told that it was assumed to be valid. I was being told I needed to file a police report for a very old death and to me I felt like they knew it wouldnt be done after sending you three different loopholes. This debt should be removed from my credit report, and Ive asked numerous times with no assistance, but constantly calling me to threaten court and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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 was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XXXX, XXXX XXXX, XXXX XXXX, XXXX bank, and XXXX XXXX. Please have the credit bureaus to stop reporting this fraudulent information on my profile. XXXX, XXXX, and Equifax are reporting fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone used my information to open a checking account and put in the negative for {$530.00} at XXXX XXXX Bank I have no idea who open this account and it is hindering me from getting another bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I applied for a home mortgage loan yesterday through XXXX XXXX XXXX XXXX. I woke up this morning to XXXX spam text messages and received over XXXX calls from mortgage loan companies. My email was hacked into and my XXXX investment stock account was tried to get hacked into and I believe this is all do to a breach of information. One particular company sent a text message from number XXXX stating an agents name saying she worked at XXXX 's XXXX a wholesale mortgage broker and they got my information from Transunion. I called Transunion and they said they don't sell information or provide information to anyone other than the person being authorized to pull the credit report however I went ahead and called the number on the text message and spoke with someone from the company who stated Transunion sells them my information. I then again called Transunion to informed them of the information told to me by XXXX 's XXXX mortgage broker and they again said they don't sell my information. I want this further investigated as this is no coincidence. Someone is lying and getting a financial benefit from sharing information like mine and it needs to be STOPPED! I

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 2022-04-13
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company illegally put my mortgage on XXXX without our permission or even asking, I brought it to their attn they said email us what happened I did, nothing. The AGs office is NOT helping nor the CFPB! Back on XX/XX/XXXX my mortgage co sent a letter ( NEVER RECD IT! ) the AGs office did and at this time is was the end of XXXX, letter stated for us to restart payments on XX/XX/XXXX we didnt know, now any pay sent at this point would go unapplied. Now the mortgage company is looking for over $ XXXX or they will forclose on my family home that Ive lived in for 50 years! I am on medical XXXX now due to severe side effects of XXXX and XXXX! Please can you help? 

XXXX XXXX I am in foreclosure now they are lying stating that they did a loan mod in XXXX FALSE!

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: 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:
Transunion continues to report an alleged debt that has not been validated as belonging to me. 

Transferring a contract does not give XXXX XXXX rights to collect from the contract therefore Transunion is unable to report such a collection account. 

I have the right as a federally protected consumer to opt out of this information from being reported. 

162.6 Reasonable opportunity to opt out.

( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown items on my credit report. As of today, over 60 days later, I have not received a response yet. At this point, I feel as if my rights have been violated and I have been taken advantage of. I feel that my request regarding my disputes are being ignored. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the anxiety caused by the stress you have caused me. My information was also impacted by the XXXX Data Breach and may have been compromised and gotten into the hands of the wrong people.

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: NV
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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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