BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, So I spoke to my bank XXXX XXXX XXXX XXXX, and Transunion about an issue with a credit account that was removed from my credit report without my consent. 

I spoke to Transunion on XX/XX/2021 via phone and online about a remark on my account that dropped my XXXX XXXX by XXXX points. I asked transunion over the phone and online about the drop, saying there might be an issue with my XXXX  credit card. Transunion spoke to me and said over the phone they removed the remark. 

About a month later I noticed how my account for XXXX was back to my usual credit score, but my Transunion account had not returned to normal. I noticed that my credit card account was removed for some reason. I have been speaking to both Transunion and XXXX  about this, and have messages from XXXX  on their app. XXXX  has stated they reached out to Transunion and were told I needed to provide some type of reinsertion letter with my signature and other information on it, I am not doing that and making myself liable if there is some fault on one of these parties here. I spoke to Transunion about this, and they stated that XXXX  never reached out to them and started whatever reinsertion process. 

I have never told any of these parties to remove any account in my name, I still have my credit card and the account is open. I want a 3rd party to mediate communication amongst these two and please get this handled, that is it. I am not doing another round robin involved with this, because someone probably just made an error somewhere because I was concerned about a sudden credit drop. 

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 2023-01-25
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have received a credit card from Navy Federal Credit Union, for {$10000.00} I have been paying my bills every month and pay over my minimum amount. Ive been paying on this credit card for a period of almost XXXX. I just received my monthly statement and my balance was {$8800.00} after XXXX years and u only given me XXXX XXXX dollars, I was about to lose my mind! Wheres my money going to my balance should be lower than this, they informed me they are charging me {$40.00} a day for getting advance cash of the credit card. What Im paying close to {$30000.00} once Im finishing paying for {$100000.00} theyre going crazy and XXXX like to file a suit for mental anguish and stressing. 

RESPECTFULLY SUBMITTED XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home mortgage originally through XXXX XXXX XXXX # XXXX for {$1300.00} monthly. they have since sold my loan to Mr. cooper loan number # XXXX when speaking to Mr. cooper they insured me my loan has been transferred to them and everything would be the same, I informed them that i had automatic payments set up they said it will still come out automatic. when I viewed my account Mr. Cooper had took {$1600.00} when i contacted Mr. cooper the gave me no explanation to why they took the amount no analysis had been ran, no changes nor did i agree to anything. I did not argee to transferring from my Leander but was told it was at will and i had no control over it being sold. I offered them my original documents signed at closing of what my amount should be and asked to speak to a manager and was told they would call me back i asked more then once to speak to a manager no one has yet to call me back or correct the problem. i was last told to XXXX XXXX XXXX i asked why wouldn't they call XXXX XXXX if they are saying they didn't get everything from XXXX XXXX. I was told because they are a third party. XXXX XXXX no longer acknowledge my account number or have me in there system. I want to problem to be corrected back to my mortgage amount of {$1300.00} and report Mr. Cooper for predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: AZ
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:
It is of highly importance that you are aware and f XXXX accounts that were open on my good name. I dont know who this accounts belong to Im not liable for them. 
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 explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit reporting agencies keep violating my rights as a consumer. They havent made or investigated any changes, and it's been over 90 days. The accounts that I'm complaining about are reporting on my consumer report incorrectly and need to be removed. Every negatively alleged account is reporting inaccurately and erroneously, which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting Incorrectly. Please have them conduct a full and complete investigation on my credit report. Please don't just have them do it by e-oscar. My life depends on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. 

This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement. A legal contract is signed by two parties, and I did not participate in any of it. Moreover, they didn't follow the proper 5-step validation procedure, which makes this unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. 

They are also suppose to send me investigation letters which i have not received about disputes.

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 2023-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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:
This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well their inability to report accurate information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my Credit File. I am victim of Identity theft and the accounts I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed accounts completely from my Credit report and insisted that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed accounts completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following accounts deleted immediately : XXXX XXXX & XXXX ( Original Creditor : XXXX  XXXX  XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/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 2021-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filled out a form online for Beneficiary Required Minimum Distribution Service. The copy they emailed back to me was incorrect. They refused to fixed it when I called to report the error. They are supposed to have 24/7 customer service, but said I have to call back another day to cancel the form and start all over. I am traveling and don't have time for this. I have already wasted an hour of my time online and by phone 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 2020-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Please see CFPB case XXXX. 

Capital One, in the letter they provided ( and attached to that case as their response ) said this : " The funds were reversed and sent back to XXXX XXXX XXXX  on XX/XX/XXXX ''. 

XXXX XXXX XXXX  ( now XXXX XXXX  ) has not received these funds. Staff at XXXX XXXX  - and also staff at the account-holder 's business - have looked for return of my money ( {$650.00} ) and find nothing. 

Capital One needs to document - actually prove - they returned the funds, as stated in their letter. Capital One must provide electronic information, if the return was made that way, or document the paper check they sent back to XXXX XXXX. 

I've left 3 messages about this problem for the person who signed the letter ( XXXX ) from Capital One. I have received no call-backs. 

Summary : Capital One said they returned my money on XX/XX/XXXX : they did not. If they continue claim they did, then they need to prove that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights XXXX Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX 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 2022-03-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Accounts XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; Medical 1021014****Balance : {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Billing dispute for services

Complaint:
TANSUNION AND XXXX IS CONTINING TO REPORT UNVERIFED INFORMANTION ON MY CONUSMER REPORT. TRANSUNION AND XXXX NEVER HAD MY PERMISSION TO PLACE XXXX XXXX XXXX ON MY CONSUMER REPORT. I SENT XXXX  A DISPUTE LETTER AND A CEASE AND DESIST LETTER. I HAVE NEVER DID ANY BUSINESS WITH XXXX AND HAS NEVER SIGNED ANY CONTRACTS. I NEVER GAVE XXXX PERMISSION TO HAVE MY PERSONAL INFORMATION... EVEN WHEN IN DISPUTE, XXXX NEVER REMOVED THE COLLECTION ..NEVER PROVED THAT THE DEBT WAS OWED TO XXXX. XXXX XXXX HAS NEVER DID BUSINESS WITH XXXX XXXX XXXX. NEVER SIGNED ANY AGREEMENT WITH XXXX BUT YET THEY HAVE VIOLATED MY PRIVACY BY HAVING MY INFORMATION..XXXX  AND TRANSUNION HAS ALSO VIOLATED MY CONSUMER RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICE ACT. XXXX AND TRANSUNION USED UNAUTHORIZE INFORMATION TO CAUSE XXXX XXXX SUBSTANTIAL HARM AND INCONVENIENCE BY REPORTING FALSE INFORAMTION ON MY CONSUMER 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 2023-01-25
Company: JPMORGAN CHASE & CO.
State: VA
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:
My card was charged at a nightclub in XXXX of 2021. I have been telling my credit card company that I haven't authorized the transaction and asked them for signed credit card receipt. I have asked them numerous times and have sent them written complaint last year. I gave the card to bartender and next day I see charge of {$1400.00}. Bartender might have charged someone else 's tab on my card. Like I said I asked them for signed receipt many times and I haven't been provided that. They reported it on my credit and due to that my score dropped over 100 points. I am hoping someone can resolve this issue. I feel a little helpless in my position and will have to pay the money I didn't spend. I have 4 years of on time payment with this card without missing any due dates. I am a responsible payer but I don't want to pay for something I didn't spend.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A credit investigation form was sent to all 3 bureaus and came back verified. I then sent a debt validation request to the collection agency LVNV and to the original Creditor, XXXX   XXXX. LVNV forwarded it to XXXX XXXX who in turn returned the envelope back to me unopened. They are both refusing to provide me with the debt validation information that I am entitled to under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$680.00}XX/XX/XXXXXXXX Balance : {$9900.00} XXXXXX/XX/XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XX/XX/XXXXXXXX Balance : {$4500.00} XXXX XXXX Balance : {$790.00} XX/XX/XXXXXXXX Balance : {$9900.00} XX/XX/XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: FC HoldCo LLC
State: AZ
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:
I only applied for one credit application and now I have XXXX hard inquiries that I have no knowledge of or have my consent

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 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

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