BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I was looking over my report and seen an derogatory remark on my file my rights have been violated by XXXX XXXX XXXX under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

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 2023-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
If after reinvestigation under paragraph ( XXXX ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. 

I am not liable for this debt with XXXX XXXX Bank. I do not have a contract with Portfolio Recovery Associates , LLC. They did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Experian Information Solutions 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 ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$1100.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account was billed incorrectly and should have been submitted directly to the provider. ( I have attached a copy of my insurance card for reference. ) I had insurance coverage at this time. This incorrect reporting of a collection I do not owe is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2022-03-02
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX of 2021, XXXX of 2021, and XX/XX/XXXX I sent certified letters to Experian, XXXX, and XXXX demanding verification of XXXX XXXX and all of the documentation for verification of the account to be provided to me. I sent the requests via certified mail and never received any documentation of the verification ; and the transaction was updated to include more erroneous information. 

I sent certified letters requesting the following 1. The name of who verified 2. Documents that show I agreed to pay 3. Agreement that grants XXXX XXXX authority to collect alleged debt 4. Purchase Agreement 5. My signature saying I agreed to pay debt If you can not send me this information I demand you to remove the account. If not I will be taking this into litigation for willful non compliance pursuant to 15 USC 1681n and will be expecting and invoice for {$1000.00} per violation.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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:
I am writing to formally state that all recent inquiries made by these companies are not authorized and are unknown to me. Upon reviewing my records, I discovered several inquiries I did not initiate or approve. 

I want to bring this matter to your attention to ensure it is documented accurately. I request an immediate review of my credit inquiries records to confirm the unauthorized nature of these inquiries. Please take the necessary steps to rectify this situation and cease any further unauthorized inquiries on my behalf. 

If there are any additional steps required from my end to address this matter, please provide guidance. 

Thank you for your prompt attention to this concern. I appreciate your cooperation in resolving this issue. 








Hard inquiries XXXXXXXX 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 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 2019-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Trying to close my savings and checking accounts with Capital One but it seems to be impossible to contact this bank. Phone line has a line for hours and keeps getting disconnected, and no other ways to contact are offered. 

Please close my Capital One bank accounts : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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 not liable for this debt with XXXX XXXX XXXX XXXXXXXX XXXX. I do not have a contract with Portfolio Recovery Associates , LLC. They did not provide me with the original contract as I requested. 

If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NC
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, XXXX XXXX am a victim of identity theft and have sent the required information to the following consumer reporting agencies. '' It has since been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make abundantly clear that this report of identity theft was not made in error by me, a consumer, as stated in 15 USC 168c-2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from Equifax, XXXX, and XXXX reporting agencies in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have asked to look into it they clam its correct and left the bankruptcy on my 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 2018-04-06
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found a collection account on my credit report from the company ERC as of XX/XX/XXXX. I do not have any debt to this company. I disputed through credit bureau unsuccessfully on XX/XX/XXXX. I do not know why I am getting charge this for {$1900.00}. I didn't not receive any notice nor do I have any proof provide to me that this is a valid debt. now this is jeopardizing my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-08-16
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023, I tried signing into my online account. When signing in, I got the message, " Activate Your Card Your debit card must be activated before you can sign on. If you havent received your new card yet, please allow XXXX business days for it to be delivered to your mailing address. '' I only have XXXX products with Citi- a savings account ( ending in XXXX ) and a credit card ( ending in XXXX ). Why after opening my savings account over a year ago is the online access requiring me to active my XXXX debit card? A card that I tore up and threw away within the first week of opening the account online. My intention was to make this account 100 % online - paperless and no physical card. Because of this, I can not access my account online and access my funds when I have bills to pay. 

I called Citi on XX/XX/2023 and spoke with XXXX regarding the situation. The only way to proceed was to pass their security question. I needed to provide the full savings account number or provide the mother 's maiden name. 

How can I provide the full savings account number when I can not view my statements online anymore? When the rep asked for my mother 's maiden name, it did not match their system. There are no Citi branches near me location. The only option he gave was to send a letter to Citi 's office at their XXXX XXXX Texas address and to request a debit card. A process that will take several weeks. Therefore, unable to access my funds for several of weeks. 

I received no warning this was going to happen and I'm now unable to access my savings account now. This is my second formal CFPB complaint with Citi. After this I'm completely done banking with them.

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 2023-08-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I mailed a {$8000.00} check to the IRS on XX/XX/XXXX and it was stolen, altered and deposited on XX/XX/XXXX, unbeknownst to me. I filed my taxes XX/XX/XXXX and then received a letter XXXX XXXX from the IRS stating I owed {$8000.00} plus interest and penalties. I looked at my account XX/XX/XXXX and discovered that the check had been altered and deposited at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I called my bank, Chase bank and started the process to try and recover the money. Filed a police report and Filed a report with USPIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 a XXXX credit card that was charged off in XX/XX/2014. This debt was sold to a debt collection once then went back to XXXX. I believe this debt is part of the settlement when cfpb brought action against XXXX. This charge off is negitively impacting my credit report and I believe it should be removed from my credit reporting since it was from the cfpb settlement. I contacted XXXX to see if they would remove the account however they would not.

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 2021-10-07
Company: National Credit Adjusters, LLC
State: NV
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 my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I would like to file a Complaint against Wells Fargo Bank. The particular location is XXXX, DE. 

My checking account number is XXXX. 

As of this morning, XXXX XXXX, 2023, I had a balance of approximately {$4100.00} in my account. I went to the branch and deposited an additional amount of {$4900.00} in my account in the form of a check drawn on Wells Fargo by one of their customers payable to me. I was soon thereafter alerted by email that my account was overdrawn by approximately {$800.00}. Returning to the branch, I was told that my XXXX deposited was debited against my account rather than credited. I confirmed this by looking online at my account. The bank stated they were unable to correct the problem. I am thus out {$9000.00}, the original XXXX. I had on deposit plus my XXXX deposit. 

There is no response from the branch or Wells Fargo on line customer service.

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 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX CAPITAL ONE {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$660.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$350000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$100000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rushmore loan management and XXXX will not send me my original deed to luie documents. They are lying and playing games and I keep asking for them and I get nothing! XXXX has marked upy credit and they are in the wrong and trying to get money from me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
last month i walked into XXXX  XXXX XXXX to apply for a mortgage and it turns out i owe them for 2 credit card accounts that where open in my name. I got denied for the mortgage, but i was made aware that i was a victim of identity theft and that i had several fraudulent accounts on 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 2023-08-16
Company: Bright Capital Inc
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The bright money app takes an excessive amount of money out of my account and makes make account overdrawn. I can not use the app to cancel membership due to it crashing. I have emailed, tried contacting on phone with no response by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: CBC Companies, Inc.
State: NJ
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:
After reviewing my consumer report I must inform you that I am NOT responsible for the listed account ( s ) as I have been a victim of identity theft.

Ive already notified both my local Police Department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt.

I am instructing you to please delete the following fraudulent account ( s ) from my consumer report immediately. 

Accounts : Account Number : XXXX / XXXX XXXX XXXX XXXX XXXX Amount : {$8000.00} Account Number : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account Number : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please delete the following inaccurate information listed below. 


Address ( XXXX ) : XXXX XXXX XXXXXXXX XXXX NJ XXXX Phone number ( XXXX ) : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
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: Their investigation did not fix an error on your report

Complaint:
ENCLOSED IS A COPY OF MY CORRESPONDENCE SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTION 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE INACCURATE ITEMS BEING REPORTED I AM PROVIDING

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