BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This letter is about the following accounts : XXXX XXXX : # XXXX, which you claim, I owe [ {$810.00} or my account was charged off {$810.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry.

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2023-07-25
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a beneficiary of a bank account from my my mothers estate account. I was trying to add a debit card to transfer money to my brother because I have the debit card. He put the account in his name because he lives in New Jersey and I live in Texas I wasnt there when he open the account so he just sent me the debit card so I would have access and he doesnt have a card.. 
I wasnt able to transfer the funds without adding, the bank account number and routing number and it needed to be in my name. I called the bank to get this information because it says suspicious activity when I was adding the card and wouldnt let me transfer the funds so I called to verify everything they told me I needed to have my name on the account to add the card and account information so I deleted the card and that was that nothing was transferred I later found out a week later that they locked my account and closed it due to this and asked me to send a verification of any transfers going into my account. I sent my cash app information and my Square account information showing that its my account and my last three months of transactions, I couldnt provide information on that card that I was trying to add because it wasnt my account but later I eventually sent papers because they were still saying they did. I didnt send all my information to add on. There was only email that I can explain any information to them so it was very hard to explain the situation if I couldnt speak to anyone either way, I finally ended up sending information showing that account information on the account and if information showing that Im beneficiary, although my name is not on that account, my name is beneficiary of the estate along with my brother nothing was suspicious again they kept saying that I transferred money that I didnt prove from an account that I have no idea of because only account money was transferred from was my own and I proved that and those transfers By me, not being able to speak to anyone, I never got this issue resolved, and I never found out what information they were seeking because I could not speak to anyone directly .. all of my bills are not paid for this month including my car on my credit cards insurance, etc. everything is locked in that account and they closed it and said that Im not able to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
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, XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

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 an 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: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
CapitalOne continues to charge excessive annual fees and interest for cards that I rarely use. Years ago, phone customer service agents had authority to remove those fees in situations like mine ; i..e, not using the card regularly and gaining the benefit of " cash back '' on purchases, but now say they are no longer able to do that. 

This card is rarely used, yet CapitalOne has charged an annual fee, late fee, and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: LA
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:
have been contacting experian to correct fraudelent accounts that i have a police report on and they have yet to remove those accounts from my credit 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 explanation
Consumer complaint received 2021-07-21
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
XXXX is currently updating an account on a monthly basis that was XXXX in a Chapter XXXX Bankruptcy over XXXX years ago, on XXXX and XXXX  XXXX reports XXXX which violates the Fair Credit Reporting Act.

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 2019-03-20
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This bank opened an account for probate ( trust acct. ) without proper probate members ( family members ) listed by name on the trust paperwork. They weren't listed on the bank acct. Then distributed monies for anything requested by 2 or more parties upon request from said Trustee. This started shortly after my Mom deceased in XXXX. The executor of the acct. has WAIVED all HER rites to manage my parents legacy, according to all the lawyers retired and active, I have been seeking help with this 5 long years and counting ... ... This matter needs to be handled as quickly as possible, Please. I'm homeless due to her actions. I need a financial statement from the acct., in question, from a probate judge. Rabo banking in CA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing deputes on my credit report to delete an remove all inaccurate information that is hindering my credit profile. ive noticed all information listed is reporting illegal an fraudulent information. this has caused major delays. no action has been taken from prior disputes please review an remove the listed items to help clear my file asap.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX  Balance Owed : {$340000.00} XXXXXXXX XXXX XXXX Balance Owed : {$9800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXXXXXXBalance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$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 explanation
Consumer complaint received 2021-07-29
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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 had turned Credit Acceptance in for late payment reporting when I had XXXX  and had told them it was dude to covid. After consumer finance addressed credit acceptance stated it was to be corrected. XXXX XX/XX/2020 and XXXX late payments were to be removed marked no report etc. I turned them in on XXXX  as it was not corrected there. This was credit acceptance response INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and I need this corrected I'm trying to buy a house and I have fought this 4 months already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
I have sent multiple disputes and made phone calls to remove the medical bills with no resolution the last two years.

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 2021-07-28
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:
This account does not belong to me. Please block and remove according to 15 USC 1681c-2.

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 2019-05-01
Company: GMH Associates Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2019. I signed for a loan a loan with rate lock, from GMH Mortgage Services. 
XX/XX/2019. GMH ordered an appraisal, which I paid for. The appraiser provided a full report, however, GMH delayed lending until some exterior work on the condo building was done ( mostly painting ). 
XX/XX/2019. The rate lock expired ( because of the lender 's delay ). 
* I did not request a lock extension, nor did I request to buy more points. I never mentioned the lock expiration. 
* GMH did not mention the rate lock expiration or selling me more points. 
XX/XX/2019. On the closing day, the lender sent me a revised application. He said : " Since your closing is a mail away the loan will not fund until the XXXX. You sign the documents on the XXXX and it gets recorded on the XXXX. You will be getting a revised extension to sign good to the XXXX. '' Notice, it says nothing about increasing the points/fees associated with the rate or changing the rate. 
* I signed what GMH Mortgage Services sent me, not realizing that it was not merely the extension the GMH told me it was. It increased the points/fees associated with the rate by {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Arete Financial Group
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My name is XXXX XXXX XXXX.As of XX/XX/XXXX, i hired Arete Financial to assist me in the student loan forgiveness program. I was lead to believe that this company would assist me in making the right financial decisions regarding my XXXX Student loan, which was not in default. I made immediate payments to Arete for $ XXXX/biweekly for 3 months, with continued payments of $ XXXX/monthly direct withdrawal from my banking institution. Arete sent an email stating i was approved for IBR at $ XXXX/monthly. Arete then filed for a forbearance in XXXX of XXXX and again in XXXX while payments was deducted for them at XXXX/monthly. I never authorized the XXXX forbearance, and it was completely not necessary. That forbearance put me in this position with XXXX which is showing on my credit 107 days late. This decreased my score by XXXX points.I asked Arete what was i paying them for? XXXX informed me that no payment was originally due to them XX/XX/XXXX. By Arete not making the right professional decisions, this has left me in default and kept me from closing on my home XX/XX/XXXX. The credit report was updated XX/XX/XXXX. Arete also intercepted any communication from my orginal creditor by giving them a bogus email address I am very upset as a single parent. I feel like i been taking advantage of.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Continental Finance Company, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account appears on customers credit profile twice. I have reached out to both XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX XXXX Date Updated XX/XX/XXXX High Balance {$760.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$760.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR XXXX XXXX XXXX XXXX Account XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$490.00} from XX/XX/XXXX to XX/XX/XXXX ; {$760.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$500.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed 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 explanation
Consumer complaint received 2023-06-06
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:
Based on my file i see inaccurate information on my report showing nevagtive items that needs to be removed. 

these accpunts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) in general Subject to subsection ) c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) Inaccordance with the writtne instruction of the consumerto whom is relates. I NEVER GAVE ANY CONSUME REPORTING AGENCY WRITTEN CONSENT to report anything on my consumer report which violated my rights as a federal protected consumer.

15 U.S CODE 1681c- 2 a consumer reporting agency shall block the reporting ofanyinformation in the file of a consumer that the consumer identiflies as information that result from an alleged identify theft, not later than 4 business days after date of receipt. 

Account name : XXXX Account number XXXX date open : XX/XX/XXXX Account name XXXX XXXXXXXX XXXX XXXX Account number : XXXX Date Open : XX/XX/XXXX Acciunt name : XXXX XXXX XXXX  Account number : XXXX Date opened : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: CA
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 privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
account continues to become compromised beginning in 2015 after attempted wire transfer from this credit card to a NY address. Bank transferred my account to Barclay. have had several problems of not being able to use card, have been told by customer service I am not making payments on my statements. While I have paid all accounts owned for credit cards in full every month. When asked to speak with fraud dept they stated there is no one to speak with, I just need to make more payments. Have had charges of $ XXXX {$3.00} charged to card, that I did not make, reported to card company, and reissued new card. When I logged on to account, it will state I have new cards to activate, yet I had not requested any and have the card in my possession. To date account problems unresolved and no investigations initiated.

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 2022-05-02
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/2020

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