BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which 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 CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$20000.00} : US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2022-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have called Capital One TWICE to close my business credit card account and they have dropped the ball both times. Each time they read me a disclosure letting me know that no further charges would be allowed on the account. The first time I called, I did not take notes or record the date and time, since I had no reason to believe my request would not be honored. It never happened. The account was never closed and charges from former business vendors were still hitting the account. 

So, I called again, this time taking notes on all the details of my request for closure. I made the request by phone on XX/XX/XXXX @ XXXX. The rep I spoke to assured me the account would be closed immediately, apologizing profusely that it didn't occur before. She read me a disclosure to inform me that no further charges would be permitted on the account after XX/XX/XXXX and I would be getting a final bill. Imagine my shock when I learned today that they, once again, allowed several " auto pay '' charges to go through after my request for closure a SECOND time. 

I informed Capital One that I would not be paying the bill for their ongoing incompetence. I am requesting a credit to may account of {$98.00} ( XXXX XXXX- {$79.00}, XXXX- {$16.00}, XXXX {$2.00} ). They claim to have recordings of all customer service calls, so they can easily go back and listen to my very clear request for closure twice, the second time on XX/XX/XXXX @ XXXX. 

XXXX XXXX # XXXX further informed me today XX/XX/XXXX that they have no process in place to email a confirmation of account closure in real time ( unbelievable ). That I will have to wait 7-10 business days to get a snail mail letter confirming closure... ..in which time, if they didn't close my account for this third time, further charges will accrue. 

Capital One is the the new XXXX. " You can check out anytime you like, but you can never leave. '' Please follow up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amount owed is false amount and Midland Credit Management has no copy of original contract or witness to me signing such. My information was obtained without my consent and is in violation of my privacy according to 15 USC 1681 Section 602, 15 UUSC 1681 Section 604 A Section 2, also 15 USC 1666B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I HAVE FILED SEVERAL CFPB COMPLAINTS CONCERNING EXPERIAN VIOLATING MY CONSUMER RIGHTS AND THE FCRA. CFPB COMPLAINTS XXXX AND XXXX. I ADVISED EXPERIAN OF SEVERAL FCRA VIOLATIONS AND THEY REFUSED TO DELETE THE TWO ACCOUNTS. I ALSO FILED DISPUTES WITH XXXX AND XXXX CONCERNING THE SAME ACCOUNTS AND XXXX AND XXXX DELETED BOTH ACCOUNTS. 
Experian is in violation of 12 U.S.C. 5534 ( b ) ( c ) ( 1 ) because they did not adequately respond to my CFPB portal complaints. Experian clearly violated the FCRA and has failed to respond to my demand of monetary relief due to their violation of the FCRA. I ask that the CFPB enforce the FCRA and make Experian grant my original demand for monetary relief. I make this demand in accordance with 15 U.S. Code 1681n - Civil liability for willful noncompliance and for violation of Regulation V. These violations constitute a violation of The Consumer Protection Act. 

Experian has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. Pursuant 15 U.S.C. 1681e ( b ) requires EXPERIAN MUST USE " reasonable procedures '' to assure the " maximum possible accuracy '' of information. Experian has knowingly, willfully, and negligently violated my consumer rights and the FCRA. Experian is guilty of complete negligence and failure to adhere to FCRA mandated dispute procedures. Experian is also in violation of a CFPB Supervisory Order. Experian is also violating my right to privacy Pursuant to the FCRA 15 U.S. Code 1681, 602 ( a ). Experian has also violated my rights Pursuant 15 to U.S. Code 1681, 604 ( a ) ( 2 ) states that a CRA can not publish or furnish an account without my written permission. Pursuant to 15 U.S. Code 1681s2 Experian has a duty to ensure that they are reporting accurate information. Experian is in violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage , LLC refused to provide me with my Promissory Note and more importantly refused to provide me with the name of my mortgage company in spite of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that the account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX Balance : {$260000.00}

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 2022-10-21
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
There were three charges on my XXXX XXXX credit card that I did not make. Two were made in the amount of {$110.00} and {$110.00} on XX/XX/2022. The third charge was made on XX/XX/XXXX in the amount of {$130.00}. I contacted the credit card company, Genesis FS Card Service back XX/XX/2022 when I first saw the fraudulent charges. The operator on the line said they will be looking into the matter. I looked on my account statement on XX/XX/XXXX, with Genesis FS Card Service for XXXX, and had seen there was a " Purchase Reversal '' done on XX/XX/XXXX for all three charges. Right about that, XX/XX/XXXX was able to be seen, and it showed all three charges on my statement again showing up as " Sale ''. I contacted the credit agency, the operator on the line said they were still looking into the matter. Three days later, I received a letter in the mail from them stating that they " were unable to resolve the matter in my favor '' since the charges were " reversed '' on XX/XX/XXXX, when they showed up again as " sale '' the following day on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: TX
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 viewed my credit report and I have no knowledge of the debt that is being reported. I need these accounts removed today. I have attached a cover letter, id, social, and ftc report. Please refer to the attachments.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: WA
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 have accounts showing on my credit report that I did not authorize. I have become a victim of identity theft. I would like these accounts removed from my credit report immediately. These are the following companies below. 

XXXX XXXX Acc # XXXX amount XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Acc # XXXX, amount XXXX XXXX XXXX Account XXXX, amount 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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXDate of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : 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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to update any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the updating of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX, XXXX. XXXX Open Date XX/XX/XXXX XXXX : {$0.00}

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-03-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I deposited a check from the US Department of the Treasury, it was placed on hold. The following morning, I awake to find out that the check was released, so it was a good day. I go about my day to pay some bills and what not, my debit card gets lock, it was still early but the chat function was open so I chatted got the card unlocked processed to try to pay a bill again, card locked again, chatted again, card unlocked, I was able to pay 2 bills before the card was locked again. Chatted again, unlocked again, tried to pay another bill card declined, This time I called, the XXXX  said everything was fine there were some fraud alerts she cleared them and said everything was fine. I go try to pay for something else and once again it was blocked, I called again and the XXXX  advised me that it was due to a check being deposited in my account, i asked her what was wrong with the check she said it was fraudulent and i asked how, she said because the note line didn't have my name in it and it had 'XXXX  XXXX XX/XX/XXXX tax return XXXX ' ... which did not match my name and sent over a fraud request, well in the process the are closing my account and send the check back to the IRS due to it is a fake check, so she hung up on me and i called back and then she advised that an outside bank started the process by contacting them saying the check was a fraud, i then called the Bureau of Fiscal Services and was advised by a XXXX that was the memo line and the check in fact a good check. So now I have no money on the first of the month to pay bills or feed my family not to mention i am going out of town Saturday and they keep telling me 3 days for a resolution. I have no food rent is due and because the XXXX did not do her due diligence of checking/verifying the check I am in danger of losing my home car and not to mention my kids are hungry and I was going grocery shopping. No one at the bank can give me a straight answer, you can't talk to anyone outside the call center and they will only switch to other XXXX  that will give you the same spill... I don't know what else to do or who to turn to. I have cried and cried and no-one at that bank is concerned or is trying to help me. I feel like I was singled out because of the amount of the check ( XXXX ) and who I am, a XXXX woman that got angry about her money...

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, Transition, XXXX, and XXXX does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Company Name : XXXX XXXX XXXX Date : XXXX XXXX Amount : {$990.00} Actions That Were Taken ; I did not give written consent for XXXX, XXXX, or Transunion to put this on my credit report Fraud Account Remove Immediately. 
Company Name : XXXX XXXX XXXX Date : XXXX XXXX Amount : {$590.00} Company Name : XXXX XXXX  Date : XXXX XXXX Amount : {$530.00} Company Name : XXXXXXXX XXXX  Date : XX/XX/XXXX Amount : {$800.00} Company Name : XXXX XXXX Date : XXXX XXXX Amount : {$280.00} Actions That Were Taken ; I have reached to each credit bureau individually and I have received any response to remove this information

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