BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-16
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'm submitting this complaint today with the assistance of an attorney due to the negative impact this negligence had on my credit report. I've listed the account in question and a copy of this is also being submitted to XXXX XXXX along with my supporting documentation. I'm also forwarding this to XXXX. 

Account : XXXX XXXX XXXX XXXX XXXX was sold to XXXX and then sold to XXXX. 
Current owner : XXXX Payments : On XX/XX/XXXX, I paid {$580.00} to XXXX. I've attached the bank statement that details clearly the monies being taken out of my account on said date. 

XXXX : XXXX XXXX reported me " late '' for the following months in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX reported me as " late for the following months in XX/XX/XXXX and XX/XX/XXXX Follow-up : I called XXXX less than 7 days ago and asked for a letter stating that payment was made ad received XX/XX/XXXX. The letter I received states that payment was received XX/XX/XXXX. 

Problem : A. This is not the date it was paid. Even if this were so, how could XXXX XXXX even report me as late after an alleged payment in XXXX was made? 
B. In addition, how is it possible that XXXX XXXX is reporting any late payment ( s ), when they are not the owner of the account? 
XXXX The statement sent to me by XXXX is false regard the date they're stating payment was made My attorney has recommended that I first reach out to the CFPB to make my complaint prior to moving forward in any other legal manner. This is false information reporting on my credit file and the account must immediately be deleted from my credit report. I'm aware that creditors can not just " verify '' without proving paperwork to substantiate their claim, especially when I've pointed out that this information is false. 

This account must be immediately removed from my credit report. The fact that the bureaus allow for this reporting to continue is clearly negligence on their part, as the factor listed in section Problem : B of this complaint.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 have been writing to credit bureaus since : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX about some accounts that I do not recognize in my credit and they do not answer me and the accounts are still on credit. 
XXXX XXXXXXXX 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 2018-05-16
Company: Experian Information Solutions 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'm submitting this complaint today with the assistance of an attorney due to the negative impact this negligence had on my credit report. I've listed the account in question and a copy of this is also being submitted to XXXX XXXX along with my supporting documentation. I'm also forwarding this to XXXX. 

Account : XXXX XXXX XXXX XXXX XXXX was sold to XXXX and then sold to XXXX. 
Current owner : XXXX Payments : On XX/XX/XXXX, I paid {$580.00} to XXXX. I've attached the bank statement that details clearly the monies being taken out of my account on said date. 

XXXX : XXXX XXXX reported me " late '' for the following months in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX reported me as " late for the following months in XX/XX/XXXX and XX/XX/XXXX Follow-up : I called XXXX less than 7 days ago and asked for a letter stating that payment was made ad received XX/XX/XXXX. The letter I received states that payment was received XX/XX/XXXX. 

Problem : A. This is not the date it was paid. Even if this were so, how could XXXX XXXX even report me as late after an alleged payment in XXXX was made? 
B. In addition, how is it possible that XXXX XXXX is reporting any late payment ( s ), when they are not the owner of the account? 
C. The statement sent to me by XXXX  is false regard the date they're stating payment was made My attorney has recommended that I first reach out to the CFPB to make my complaint prior to moving forward in any other legal manner. This is false information reporting on my credit file and the account must immediately be deleted from my credit report. I'm aware that creditors can not just " verify '' without proving paperwork to substantiate their claim, especially when I've pointed out that this information is false. 

This account must be immediately removed from my credit report. The fact that the bureaus allow for this reporting to continue is clearly negligence on their part, as the factor listed in section Problem : B of this complaint.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX5 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 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 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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 recently wrote to XXXX XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX, ( Which is a collections, and they are reporting that this account is still open, instead of closed ). I would like for you to have a copy of this document as well. I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX XXXX continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which due to my research, I believe that XXXX XXXX XXXX violated, yet somehow, you still allowed XXXX XXXX XXXX to report that the information was verified, which allowed this item to wrongfully remain on my credit report. At this point, I pose the question ; XXXX XXXX XXXX XXXX above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond wether it is verified or not ; it has become a compliance issue, which XXXX XXXX XXXX is willfully noncomplying. Furthermore, XXXX XXXX XXXX continues to harm me. This matter has taken a significant toll on my health and livelihood, which has caused me both physical and mental distress. I have mentioned this in the letter that I have written to them. Please see attached documents. I have also enclosed the pdf version of my letter to XXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which they have been, and continue to falsely verify as accurate. This has to stop!

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 2022-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 filing a cease and desist notice against CAPITAL ONE AUTO FINANCE. Cease and desist means to cease and desist all communication directly or indirectly through ANY medium. Communicating with me about an alleged debt through the consumer reporting agencies is a violation of my consumer privacy rights. I am aware that through the Gramm-Leach-Bliley-Act that financial institutions such as CAPITAL ONE AUTO FINANCE are required by the FCRA to tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. I was never given a right to opt out as explained above which is a direct violation of my consumer rights. I demand CAPITAL ONE AUTO FINANCE to cease and desist all communication with me directly or indirectly through any medium and to cease reporting my non-public private information to any third parties seeing IT WAS NEVER EXPLAINED TO ME THAT I HAVE A RIGHT TO OPT OUT OF MY INFORMATION SHARED WITH THIRD PARTIES. Failure to comply will result in your violations being brought to the XXXX XXXX XXXX, MASSACHUSETTS ATTORNEY GENERAL, FTC and I will seek legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 non-monetary relief
Consumer complaint received 2022-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, dear sir. My name is XXXX. I have into a swift problem. On XXXX XXXX, XXXX I sent XXXX $ from XXXX to XXXX for payment real estate. The sender bank is XXXXXXXX XXXX ( XXXX ), the recipient is XXXX XXXX Bank XXXX ( XXXX ). The core-sponsor banks are XXXX Bank and Bank of America XXXX On XXXX XXXX, 2022 Bank of America made a request for additional documents for verification - an apartment purchase and sale agreement, invoices, a document on the origin of funds. All documents were sent on time. 
After that Bank of America disappeared and stopped responding to requests from XXXXXXXX XXXX. Requests for the status of the transfer were sent on XXXX, XXXX and XXXX, XXXX. On XXXX, XXXX we have created a return request. XXXX tracker XXXX informs that the money is currently in the Bank of America. For 2 months, the Bank of America holds my money without explaining the reasons. The bank does not send the transfer further to XXXX and does not send it back to XXXX. I also called the Bank of America, but they said that they could not help me with anything. 
Please help me in solving this problem. I hope for your understanding and cooperation. Now I'm paying large commissions due to late payment. I have three children and I can no longer pay these commissions. 
With best regards.

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 2022-05-26
Company: Google Compare Credit Cards Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
my google account was hacked into and someone made a purchase worth XXXX on XX/XX/XXXX. 

also XXXX Tuesday, XX/XX/XXXX XXXX PM From google : We couldn't verify your claim Hello, After reviewing your claim, we were unable to confirm fraudulent activity in this case, so no refund will be provided by Google at this time. If you would like to pursue the matter further, you can reach out to your financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: HW Holding, 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: Account status incorrect

Complaint:
Hunter Warfield is reporting a debt on my credit file that I do not owe. I recently took a look at my credit report and noticed this debt reporting on there. This debt is very old and past the statue of limitation in the state of California. This debt could also never be validated to me. I ask that you please remove this debt as per the FCRA and the FDCPA reporting invalidated debt could constitute fraud under both federal and state laws. I do not owe this debt and I ask they remove it from my credit file.

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 2023-01-26
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I REVIEWED MY ACCOUNT AND FOUND THAT THE BANK CHARGED ME FOR 5 ATM TRANSACTION FEES ON ONE DAY AND I HAD NO ATM WITHDRAWALS. I SHOULD NOT BE CHARGED FOR MULTIPLE TRANSACTION FEES ON A DAY WHEN I HAD NO ATM ACTIVITY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XX/XX/XXXX I received a CC from Capital One for a CC I never applied for. I called the fraud dept and they were very difficult to deal with as i was hesitant to provide my personal info due to multiple times of identity theft. I told the rep I want the card closed immediately as this is not a card I want or applied for. I ran a credit report today, and it is reflected on it but does not appear any action on it has occurred. The rep told me they will open a claim but would not confirm they would close the card! 

Captial One makes it extremely difficult to find an address pertaining to fraud as I wanted to send a certified letter to them to put them on notice to cancel the card. IMO they are violating the law and I am suspicious they may sent me the card to attempt to get me to activate. Looking at the poor reviews online it would not surprise me. 

The card # is XXXX XXXX XXXX XXXX Any additional info you might need please contact me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: HYUNDAI CAPITAL AMERICA
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/, I paid just over XXXX to Hyundai Motor Finance in XXXX Texas. They requested an odometer statement. I did it and got confirmation by docusign same day XXXX. XXXX asked about XXXX times and I filled it out on XXXX, XXXX, and XXXX of XXXX. I called several times. Finally hmf said they received it but I havent received the title. The buyer of my vehicle is threatening to walk away and I dont blame him ; they sold their vehicle already in anticipation of my vehicle sale. Please help! XXXX took my money immediately and I have no proof of actually owning my car and this have no ability to sell it. Ive already bought a new vehicle and am paying double insurance! Please 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 explanation
Consumer complaint received 2022-07-12
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:
Dear Equifax and XXXX, I take no pleasure in writing this complaint. I am really not the type of person to complain at all. I am just trying to fix my score so I can Purchase a car to get to the VA. My complaint is that you have the one collection from XXXX XXXX on my Credit Report with the wrong amount due. I do not owe them {$550.00}. The Credit limit was only {$250.00}. You and I have not been provided Itemized charges adding up to {$550.00}. Also, I demand that you remove that second late payment listed on my Credit report. Late payments are 35 % of my score and I pay everything on time. I have never owned that collection from XXXX and have Not agreed to any kind of payment. Please remove those late payments!! I am not making a threat, but I believe that my state Attorney General and the Federal Trade Commission should be involved. You are the only Credit Reporting agency listing late payments. I am disputing everything about XXXX XXXX. How can I have a late payment when I never claimed ownership. You are the only Credit Reporting agency that wont let me use my online account that I have always had with you Equifax. You play XXXX  and I demand that you delete the late payments ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dispute of Inaccurate Information on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX  # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} I am a victim of identity theft and I never opened this account. 

XXXX XXXXXXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$240.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Balance : {$1800.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX Credit Card Account # : XXXX Opened : XX/XX/XXXX Balance : {$420.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Collection account from XXXX Account # : XXXX Balance : {$310.00} Original Creditor : XXXX XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX Account # : XXXX Balance : {$960.00} Original Creditor : XXXX XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Furthermore, I would like to dispute the following unauthorized inquiries : Inquiry from XXXX Date : XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

[ Other Inquiries- list them similarly as above ] [ Explain the discrepancies and request their removal. ] I kindly request that you conduct a thorough reinvestigation into these matters and provide a written response. 

Thank you for your prompt attention to this matter.

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