BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
This complaint serves as a formal notice that you have failed to respond to my dispute letter of ( XX/XX/22 ). I sent this letter via the CFPB online, and certified mail. 

As you are well aware, federal law requires you to respond/complete within 30 days. It has now been over that period since the receipt of my letter. As you are aware, failure to comply with federal regulations is in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. I am maintaining detailed records of all my correspondence with you. 

I am sure this was an honest oversight, or you just misplaced my letter due to the high volume of requests you receive daily. In any event, Im sure youll want to handle this matter immediately.

Please reference my original complaint CFPB case # : XXXX : XXXX ACCOUNTS TO BE IMMEDIATLEY DELETED : 1. Original Creditor is - Unknown - Acct Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # : XXXX XXXX. Original creditor is Unknown - Acct Name : XXXX XXXXXXXX XXXX, Acct # : XXXX XXXX. Original creditor is XXXX XXXX - Acct Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Original creditor is XXXX XXXX XXXX XXXXXXXX XXXX Acct Name : XXXX XXXX, Acct # : XXXX. 

5. Original Creditor is XXXX XXXX  Acct Name XXXX XXXX XXXX XXXX XXXX XXXX, Acct # : XXXX ; 6. Type of Account : XXXX XXXX Bankruptcy Public Record : Ref Number : XXXX Also provide me with an updated copy of my credit report after deletions.

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 2019-07-31
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I never spoke with this CO some from their made a dollar payment to make this account active again

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please see attached documentation to meet demands in a timely fashion. 

PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!

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 2023-10-25
Company: EQUIFAX, INC.
State: IL
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
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:
I requested the card several time and never received it. As a final attempt, I called in XXXX for the card to be sent to my new resident and they seem to have mixed up my accounts as I do have several credit card accounts with them but I never got it and the account was closed due to non use ... .How do I use an account I don't have the card for. Anyhow I called to see what had happened and they advised that they sent it out and it was undeliverable because they didn't have my unit number and they then closed the account. I feel they should have took into consideration that I have been trying to get the card to use the account they fail to successfully send the card. The mangers I spoke to show no empathy and didn't investigate my other accounts to see how many times they replaced my other accounts credit cards when they were supposed to replace this specific one. Very frustrated by this as it affected my credit, their policy only protects them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

t has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in XXXX om Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENER to subsection ( c ) any consumer reporting agency may furnish a consumer report unc following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT consumer to whom it relates. XXXX gave any consumer reporting agency WRITTEN CO NT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
ok I have been with this principle only HELOC line of credit for many years its been paid back several times for XXXX not to my knowledge this was a principle only loan. Well 3 years ago this loan had matured and I was told they wanted the whole XXXX dollars in which I didn't have .for three years I have been sending countless loan modifications to them in which they tell me '' my paperwork is complete and we will get back to you after its been reviewed. " this has been going on and on in which I get a letter two weeks later and they tell me its incomplete again.I have probably sent sent 10 loan modifications in 3 years to them and the same results every time they run me arouind in circles to get this paperwork to them, and when I call them on the phone they tell me yes your paper work is complete just wait again same results. How come nothing is negative on my credit report yet this company will not accept payments from me .And on top of it all I have now recieved XXXX dollars in interest added to my balance? .I have read several negative reviews on the XXXX from them running other people around the same exact way then denying them thier modifcations as well. I am XXXX to these lenders I cant refinance my home to pay them back so I sit with a high interest rate and constantly am worried about wheather thier going to forclose on my home or not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: JPMORGAN CHASE & CO.
State: CA
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 have an amazon chase visa card. 

The card is through Chase and the card has a promotional relationship with Amazon. 

On the website 's reporting online of accounts, there are the following issues : ( 1 ) Chase does not report your statement balance with each transaction, so it is nearly impossible to go back and look at the previous transaction history and determine the balance or to determine reporting errors from a given start date. 

( 2 ) When downloading your transaction history in csv from Chase 's website, you can't download the full history. The downloaded transaction history also does not list the statement balance with each transaction. Together, this makes it nearly impossible to reconcile your transaction history. 

( 3 ) Chase has " posted transactions '' and " pending transactions ''. They then show the " Current Balance '' at the top of the screen. However, it is possible for transactions not be in either " posted '' or " pending '' but reflected in the " Current Balance ''. Obviously, this can create a large ( and disconcerting ) disconnect between the current balance and the posted/pending transactions. 

These three issues seem rather simple to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently received my consumer report and I notice many errors, which is making my report inaccurate! First I would like to start with my current address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX is not accurate and should be removed immediately. See attachment for proof that I sent in letter asking for help in updating my file to reflect true accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Square Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Mu neighbor stole my phone ftom my apartment withou3me knowing he had done so. I had fallen asleep talking to him and once i fell asleep he took advantage of the situation. I woke up anout 45 minutes to an hour later and my phone was gone. He wax the only person there when i fell asleep. I went tl his mom 's apartment and she told me he wasn't home. Believing her i went back to my apartment. About 6 hours later i saw that he was online chatting..so i went back to hod moms apartment and he was there ... there was a slight strughle but i was able to get my phone back but hy then he had already apklied for a cash app card in my name. I caceled my credit cars and febit card. But i didn't know abour the cash app that he had opened in my name and started a scam on people. I sent cash app this infornstion and thats all i know. I have no idea what cash app plans to do ... his name is XXXX XXXX he also goes by XXXX XXXX XXXX who is XXXX West Virginia at XXXX XXXX XXXX is the building number and the apartment I do believe is XXXX or XXXX ... i also went to the XXXX police department and was told thaf since i recovered my phone thst i couldnt press charges gor him stealing it ... and that i needed proof..that cash app had to send them something ... i wany this punck behind bars.. he has cashed several dead people 's checks stimulus checks ... this perdin is known to have done all this stuff. From what i have been told he is receiving a dead mans social security money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: Affirm Holdings, Inc
State: IL
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:
There are several collections on my account, that I didnt give consent nor did I ever have an original account with. I havent had a credit card in 6 years yet my credit report says different

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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:
My name is XXXX XXXX after receiving my credit report I found two accounts on there that I did not apply for. They both are with XXXX XXXX XXXX One account is in the amount of {$2200.00} and opened XX/XX/2020. The second account is with XXXX XXXX XXXXas well was opened on XX/XX/2020 in the amount of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-12-10
Company: EQUIFAX, INC.
State: AL
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:
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.

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 inructions 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was informed my account would close on XX/XX/2021 and my remaining balance will be mailed to me via cashiers check - after being without my income the entire month of XXXX. 

State employees get paid once a month. 

On XX/XX/2021 XXXX XXXX the Branch Manager at US Bank in XXXX XXXX called me and informed me the account was closed and he has a ledger. He can write me a check but I need to get paperwork from my HR department proving the check was paid. Despite me previously showing my paystub. I asked XXXX to provide me with documentation of his request. 

Though it did not make sense since my account was in good standing with a positive balance. If the check was returned or not verified why would I have a positive balance? It would have been negative. 

I asked him several times and he has not responded to calls texts or emails. 

He then responds to the email after hours. 

I have been requesting this documentation for nearly a month and Us Bank repeatedly retracts their statement. 
Initially my account my was closing because the check returned. When I asked for proof that it returned they were unable to furnish it. 

Now that the account has closed and they are suppose to mail me my funds XXXX XXXX is saying he cant write me a check yet until he has proof that the check has been paid. So I am requesting proof from Us Bank that they were unable to verify the check. 

If my HR issues me a new check that Us Bank has already processed I would be in major legal problems- its fraudulent. 

Its contradictory. 
If the check was not verified I would not have funds available to refund. 


I have been getting the run around since XX/XX/2021.

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 2024-01-04
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: Account information incorrect

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if it states Unknown payment history. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2020-07-30
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2019 i went to see my primary doctor for annual check after visit he referred to XXXX XXXX  for XXXX XXXX  After they checked my insurance information and the referral paperwork they told me your copay is {$35.00} i did pay that amount before i took the test A few months later the lab send me a bill of {$400.00} for the XXXX XXXX I called them they stated this is your responsibility to pay i did explain to them that i been told to pay the copay only and i did They stated that I didnt even pay the Copay I fo have proof through my credit card statement that i paid. They said if you dont want to pay thats fine A few months later I get a notification from collections agency that i have to pay that amount This is not fare they didnt disclose the amount with me before the test I could get the XXXX XXXX at my work place for a cheaper price Plus I paid the copay Please i need your help to resolve this matter

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation