BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
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:
I recently acquired my credit report and I was shocked to learn that I am a victim of identity theft. I found numerous accounts on my credit report. I am in the process of buying a home for my family.This is detrimental to my home buying process. I would gladly appreciate your promptness to remove the negative items. 
Thank You!!!. 

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 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 had fraudulent charges on my Capital One Debit card and the amount of {$200.00} was never reversed or issued back to my account.

*This happened over a year ago and I tried everything to resolve this issue from : 1. ) First working exclusively with the bank teller at my local branch.

2. ) Then writing a letter to Capital One 's headquarters in Virginia addressed to " The Office of the President ''. I did receive a voicemail response from XXXX ( Management Staff ) however, we kept playing phone tag and he never followed up again, nor did I ever receive a written response in regard to my letter. 
3. ) Working with the branch manager and district manager, and NO-ONE could help me to resolve this issue.

On two ( 2 ) separate occasions, there were attempted charges on my Capital One Debit Card. 
XX/XX/2022 - {$160.00} and {$320.00}. These charges were reversed. 
XX/XX/2022 - a charge of {$500.00} was reversed, however the {$200.00} charge was not, and this does not make any sense to me. 
These attempted charges were made at XXXX  in XXXX, NY on XXXX 's XXXX, XX/XX/2022 when I was with my family that day. 

After going back-and-forth for months dealing with this issue, especially at my local branch with the teller and branch manager, I gave up in XX/XX/2022. However this whole situation has never sat right with me and it just has been an awful experience. 

I have attached the letter that I wrote to Capital One Headquarters for your review. I have also attached the notes that I kept when I visited my local branch. 
Thank you so much for taking the time to review all of this information. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate I was XXXX XXXX XXXX XXXX XXXX, which resulted in my car being totaled and Gap said it wouldn't cover my claim due to them stating it was a DUI. Later to find out it was not a DUI  and the gap still hasn't covered the remainder of the bill. I have provided the conclusion of the court case, proceedings and gaps bill. 
2. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 4. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 6. Validate Account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 8. Validate Account XXXX XXXXXXXX XXXX Account Number : XXXX Please ensure that all information is accurate 9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also reque
st that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, 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 2021-04-15
Company: Acknowledge Debt Resolutions
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
ADR has called me a few times and could not give me ani info in regards to this. All they kept saying was I knew it was and i should pay my bills and he was trying to help me out not get sued. He has also started calling my friends to frighten them as well

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Radius Global Solutions LLC
State: PA
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:
Someone is using my credit. This person have caused my credit to dropped down 43 point. I do not know this individual. I just started building my credit for the past months now while someone is damaging that Im building up. This person is using my credit in a different state and Im in different state. If this person is not stop now, Im going lose all of my credit that Im fighting so hard to build up. I need this fraud to be held accountable for such behavior. 

This is the information of the fraudster that is using my credit. 


RADIUS GLOBAL SOLUTIONS Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$420.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$420.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$420.00} Balance Updated XX/XX/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 explanation
Consumer complaint received 2021-03-01
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a certified letter to Santander Consumer USA requesting proof that all required noticed were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I also requested proof the reprosession was legal and in accordance with UCC 9-56 Effect of errors or omission, 9-611 notification before disposition of collateral, 9-612 timeliness of notification before disposition of collateral, 9-613 contents and form of notification before disposition of collateral I requested copies of the legal notices and proof of the commercially reasonable manner of the notifications and resale of the vehicle. I stated in my letter if proof is not provided within 15 days from receipt of the certified letter Santander must remove the account from my credit report. I verified the letter was received on XX/XX/XXXX to this date I have not received any of the requested documents let alone a reply from santander continues to report this invalid claim on my credit reports and is in violation of the FCDPA and FCRA. I also sent a letter to all three credit bureaus XXXX, XXXX, and XXXX  on XX/XX/XXXX advising them Santander is illegally reported on my credit report and I have formally disputed with Santander and have not received a reply. I only received a copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
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 XXXX, XXXX XXXX Attorney in Fact FOR XXXX XXXX XXXX, has placed numerous complaints with EXPERIAN through the CFPB throughout the entire year of XXXX  about the inaccurate reporting of non-public information. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. 

Please See Attached Documents which include the following : Settlement Offer Civil Cover Sheet ( dated XX/XX/2023 ) XXXX via IRS, Power of Attorney, Fee Schedule Bill of Particulars Passport Card ( Identification )

Company response to consumer: In progress
Consumer complaint received 2023-09-07
Company: Bread Financial Holdings, Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is a collection account on my credit report from XXXX XXXX which lists Comenity Bank as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number, then please contact the collection agency and have them remove this account due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Balloon payment became due this month ( {$34000.00} ).  Contacted company in early XXXX, account representative XXXX XXXX and left message asking for him to contact me regarding wire transfer instructions as my banking institution was out of state and not easy for me to get a cashier 's check. This message was left twice with end of message indicating Mr. XXXX would follow up with me in 24 hours. There was no return call. I responded by sending the company a personal check for the balance due that was sent overnight to the payment address they provided. Today spoke to customer service representative that stated several supervisors attempted to contact me in the past two weeks regarding check not covering total due. The difference she stated was {$410.00}. I have no record on my phone, nor was a message left requesting a call back to resolve issue. It did not happen. Happy to provide call log to my phone from XXXX. I advised representative that a supervisor can call me and leave a message. Advised her that I would be filing a complaint with all state, federal and private entities about the difficulty contacting the agency and their refusal to accept any payment from me. She said check was returned to me rather than they cash the check and follow up with me with the disputed amount. I have never had a more difficult time paying a bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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 explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: TX
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:
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 : Account Number : XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I was applying for a job in XXXX and it required credit check and I was not sure what I clicked but I didn't sign up for anything. There was no receipt or anything, but Transunion is starting to charge my credit card for XXXXmonthly and I didn't sign up for it, as there were no receipt or anything like that. 

There is no contract or receipt or anything like that, so I don't even know what I need to cancel. Next thing I know is that Transunion is start charging my credit card.

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 monetary relief
Consumer complaint received 2021-03-01
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2023-03-26
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-04-22
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a car accident recently ( I was not at fault ) that had injured me and I was out of work and a car for a year and a half. XXXX XXXX XXXX are working on my case and have given me the runaround about my settlement. Non stop letters from my health insurance that was billed directly to me for physical therapy, neurologist and every health service Ive received for recovery and I should have never been billed since I was NOT AT FAULT. 
Despite unforeseen circumstances, Ive been paying a little over the minimum due every month to Barclays Credit Card. 
Barclays credit card company are threatening to close my credit card on account of XXXX reporting & other items on their review. 
Ive requested my credit reporting to all 3 Bureaus to send me my credit reports via mailbox and havent received 1 or 2 of them every time, every year.

I recently reported a freeze on my scores due to fraud and other unauthorized individuals using my credit cards for purchases such as gasoline and I DIDNT EVEN HAVE A CAR! 
One credit card company was nice enough to notify me of these gasoline charges on my credit cards and refunded me {$400.00} for gasoline charges alone. 
Interest rates have increased unannounced, their fraud department is nonexistent and unauthorized charges continue to be charged to my card despite repeated attempts to their nonexistent fraud department. 
Im requesting you to please prevent Barclays Credit Card from closing my account and Im also requesting advice for my options and what I can do. 
Thanks in advance, 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 2023-09-06
Company: CITIBANK, N.A.
State: PA
Product: Credit 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:
The accounts below are reporting incorrectly please investigate these : 1. THD/CBNA Reason for Dispute : I have been of Identity Theft / victim of fraud. This account is not mine, I did not authorize this credit line request, this was requested from an OHIO address, I have lived in Pennsylvania for more than 15 years and never lived in Ohio. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 1. CITIBANK NA/THD Reported : XX/XX/202XXXX 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 2020-03-31
Company: EQUIFAX, 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:
all ftc violations XXXX XXXX {$13000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX co {$1200.00} XXXX XXXX XXXX {$490.00} XXXX {$10000.00} Pursuant to 16 C.F.R. 2.10 (  a ), Petitioner SLAC , Inc. ( SLAC ) petitions the Federal Trade Commission ( FTC ) to limit or quash the Civil Investigative Demand ( CID ) issued to SLAC on XX/XX/2017.1 SLAC objects and seeks to quash and/or modify the CID as being improper and unenforceable because the CID seeks information that is irrelevant information beyond the scope of the FTCs investigation and is part of an unlawful, unauthorized investigation. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.

Company response to consumer: Closed with explanation