BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below 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 2021-07-28
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have requested that the charged off credit card no longer be reported on my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

You must comply with my request for privacy by no longer reporting this account and making it accessible in the public domain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 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 2020-01-12
Company: EQUIFAX, INC.
State: FL
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:
My Identity have been used without my consent to open fraudulent accounts I have not authorize anyone to use my Personal Information. I'm highly upset that someone would try to destroy me. please help me to resolve this situation. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Radius Global Solutions LLC
State: NJ
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:
In response to a denial of an extension of credit, this consumer checked with one or more  consumer reporting agencies and discovered the following : 1. On or about XX/XX/2019, Radius Global Solutions ( hereinafter RGS ) began furnishing negative information about this consumer to one or more consumer reporting agencies. ( See attached Exhibit A ) 2. Upon information and belief, RGS is a debt collector as defined in section 803 ( 6 ) of the Fair Debt Collection Practices Act ( FDCPA ). As part of RGSs debt collection activities,  RGS furnishes information to consumer reporting agencies. As such, RGS is a person or entity subject to regulation and liability under Section 623 of the Fair Credit Reporting Act ( FCRA ), which imposes a series of duties and prohibitions upon any person or entity that furnishes information to a consumer reporting agency. 3. Section 623 ( a ) ( 7 ) of the FCRA requires that persons or entities such as RGS send to this consumer an initial disclosure stating that RGS may report information about this consumer to one or more consumer reporting agencies. Additionally, Section 623 ( a ) ( 7 ) of the FCRA requires that this disclosure be provided to this consumer in writing, prior to, or no later than thirty days after RGS furnishes the negative information about this consumer to a consumer reporting agency. 4. In connection with the furnishing of negative information about this consumer to one or more consumer reporting agencies, RGS failed to notify this consumer in writing that it had furnished negative information to one or more consumer reporting agencies, a practice commonly referred to as debt parking. 5. Notice of the debt and that RGS is reporting it is of particular importance to this consumer, the deprivation of which has caused this consumers personal character, reputation, and/or credit to be unjustly damaged. In addition to the foregoing, RGS is furnishing the negative information about this consumer to one or more consumer reporting agencies under what appears to be an alleged account ( # XXXX ). Upon a meaningful review and investigation into this consumers records, this consumer has determined that there does not exist a record of any transaction ( s ) executed between RGS and this consumer under account # XXXX. Therefore, it is reasonable for this consumer to believe that RGS is falsely representing to one or more consumer reporting agencies that it holds an account belonging to this consumer. Furthermore, in the absence of such a record, it is reasonable for this consumer to believe that RGS used this consumers identifying information without authority to manufacture and give semblance to the existence of an alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or rectify the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance : {$9600.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$140.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-05-25
Company: World Omni Financial Corp.
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: Account status incorrect

Complaint:
XX/XX/XXXX unclear on amounts invald contract. Reported this violation to XXXX, XXXX  and XXXX  to conduct an investigation. Today XXXX XXXX I checked my credit through XXXX XXXX XXXX continues to report a open account which should be closed. World Omni Financial Corporation and affiliate Southeast Toyota Finance. Failed to follow the Fair Credit Reporting Act 1964,1970,2005. The Account is not valid and simply should list closed. This company failed to correct the errors according to a letter I received from this firm on XX/XX/XXXX. The errors were serious failed to bind the gap insurance of XXXX failed to make correction XX/XX/XXXX reflect the failure to make the correction on this contract. Contacted Southeast Toyota Affiliate and World Omni financial corporation. They fail to address the failure to address the mistakes made and are trying to enforce a invalid contract. Several errors on a contract for XXXX can not be taken lightly. I respected this company enough to make the corrections they refused and continue to break the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: AR
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:
Upon reviewing my updated Credit report, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and Section 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the covid 19 I had to close my babysitting business which is a family home care for kids I was closed from XXXX XXXX wells Fargo send me a letter stating that they gave me an extension and it would not be reported to the credit bureau also they told me that the money owed would be placed to the back of my loan and I would start from fresh they placed me with different specialist people and the letter they send me said the same thing on XXXX I still had no kids from my babysitting due to covid 19 I asked them for more time because they said I was eligible for it i had to call XXXX to XXXX XXXX XXXX XXXX to see if they can help me to lower my mortgage payment because it was insane that payment they gave me and they lied before the covid XXXX had done a recast on my mortgage which they never gave it to me due to the covid 19 these people wells Fargo pay with people feeling 's all I want is for them to put the payments that i was late due to the covid 19 to the back of my mortgage and give me the recast they promised which was never kept please they want me to do a short sale and i have lived in this home for 17 years this is my kids home and they love it also i beg you to please help me out with this situation that I'm facing thank you XXXX XXXX XXXX ) XXXX also I would like you to investigate my mortgage there is lots of fraud things going on with this bank wells Fargo my account is XXXX thank you once again and may you have a bless day

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 2019-06-13
Company: Source Receivables Management LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, I was falsely tricked into setting up an account at XXXX by the employees. First off I was XXXX at the time of the account being opened. The workers told me that even though I wasn't 18 that they could work around it, and i'm most certain that they lied on the paper work to get me approved. I would appreciate it if you could look more into the case. The workers uploaded my ID at the time and I was XXXX so the time frames should match

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX  and XXXX  ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
U.S Bank ReliaCard XXXX {$1400.00} {$410.00} XXXX etc ..... 
I noticed unauthorized transactions and transfers in XXXX of XXXX. I filed a disputes no actions resolved fo unauthorized transactions. I have made numerous of complaints concerning the unauthorized transactions no ACTION nothing was resolved! Bad customer service representative dont know anything about ending balances in account CSR have no expectations when asking questions regarding beginning balances and remaining money in accounts, very ridiculous! Missing Funds in two Government prepaid debit card accounts .This has been a ongoing issues with U.S Bank ReliaCard.. etc card holder services XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Fl XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My loan at XXXX was transferred to Loan Care, another company. When this happened, in XX/XX/XXXX, much of the information was lost. Besides my autopay being cancelled, I went on to LoanCare 's website, and was unable to make my house payment online because of problems with the website. I spent three hours on the phone trying to get a hold of a human being, and was finally able to talk to a human being to make the payment. However, the terms of my loan seem to be missing. I have a HELOC loan ( or had ) a XXXX ARM HELOC at XXXX with the HELOC portion being adjustable. When I go online now, it looks like I have a XXXX rate with no HELOC. The part that I owe that is adjustable seems to rolled into the full amount that is fixed, and at a higher rate than what I should be paying, but it's not clear because this information is missing. When I try to call or send email to support emails to ask and clarify the terms of my loan, nobody responds. I have been waiting since Monday, XX/XX/XXXX, and nobody has responded to answer my questions. When I looked on XXXX for other reviews, it seems many, many other people have had the same issues of not being able to reach anyone. There is no customer service or humans to speak with.

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 2020-09-24
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I the consumer pursuant to title 15 U.S. Code 1692a ( 3 ). I requested verification of unverfied debt pursuant to title 15 U.S. Code 1692g ( a ) ( 4 ) and title 15 U.S. Code 1692g ( a ) ( 5 ) and have not received a proper response. DISCOVER has continued to attempt to collect the debt despite failing to adhere to Federal Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
I filed the attached complain regarding my card ending in XXXX. I received the attached letter from Capital One stating that as of XX/XX/2019 the account ending in XXXX shows the balance of {$1700.00}. The payment that was received on XXXX XXXX wasn't {$1400.00} but as you can see my bank statement attached is {$130000.00} on page XXXX {$320.00} on page XXXX and {$120.00} on page XXXX as well. So the total that I have paid so far is {$1700.00} which is on overpayment of XXXX. Please adjust your records and remove this from the credit bureaus as well. This has been reporting wrong for the past XXXX years in my account. If this isn't fixed soon it will leave me no choice but to file a lawsuit against Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my credit report from this website and it faulted. I did not get my credit reports as I requested.

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 2023-01-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX/XXXX/2022 I opened an amex high yields savings account in order to use as a life savings, depositing 20 % from my my at the time job into the account. I left the company for a better opportunity which unfortunately was terminated due to my recruiter failing to properly process my onboarding, and in preparation for bills I attempted to withdraw my money from the savings. Without informing me they cancelled my withdraw and closed my account. I had been trying for weeks to get my money back and they keep refusing to mail me a check and state I must contact my former employer to reverse the funds. All contacts to my previous employer has proven unsuccessful. They refuse to listen and refuse to return my money. Apparently me depositing my own direct deposits under my name and then attempting to withdraw to a different account under my name raised fraud concerns and they are refusing to give me my money. I needed that money for my long overdue credit cards and bills and this bank just made the beginning of the year a living hell.

Company response to consumer: Closed with explanation