BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have sent the credit reporting agencies the attached letters about unauthorized accounts on my credit report. The credit bureaus sent a letter denying disputes stating the accounts verified were mine but refuse to tell or show proof of verifications for each account. By law 15 U.S.C 1681 Law Violation this is not the correct way to handle complaints. I will like for all accounts to be removed in the dispute letter. Please remove and update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I regularly pay my card off and always pay my card on time. When I paid my card the other day for a total of {$110.00}, I received a notification that my payment had been received and posted, and the funds had been withdrawn from my bank account. Normally, I would be able to use the {$110.00} within a few business days, however the funds did not become available. I called Capital One on XX/XX/XXXX in the morning when the lady informed me that she was unable to fix this issue and that the funds were to be held until XX/XX/XXXX. I then called later, and spoke with a supervisor who then stated the same thing and also stated the reasoning theyre placing a hold on my account is because Ive paid 10 times in XXXX. She also tried to place blame on my bank stating that they havent cleared the funds, moreover I stated that the funds had in fact already been withdrawn from my account. I informed her that I always pay off my debts and always pay on time and she further stated that Capital One has the right to hold funds at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX I sumbitted disputes for 3 collection accounts with Experian : XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX  XXXX XXXX Account XXXX, XXXX XXXX Account XXXX showing on my credit report asking for validation and or proof that the debt was mine. I never received the validation i was asking for, It was removed off of my XXXX, XXXX reports but somehow experian has it validated with no records to show far it.By law this alleged debt that has not been proved to be mine has to be removed.Below is the letter i sent

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 2023-08-24
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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-05-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was applying for a flex loan on my Citibank credit card. I had an offer of a 6.99 % APR with an option of selecting a payment term of either 48 or 60 months. I saw this offer by the end of XXXX. On XX/XX/XXXX, the offer was 8.99 % APR and only a 60 month payment plan. When I called Citibank, they stated that the promotion is over and that there is nothing they can do. This is unethical and deceiving.

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 2021-12-09
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX DOB XXXX I am going over my credit file and I saw a few things that are not accurate. I have unknown addresses on my file that I do not recognize that I need to be removed. 
These addresses do not belong to me please delete them:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
there are several misspellings of my name my correct and my only name is XXXX XXXX, Please delete any other spellings or variations they are not correct!

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 2022-10-31
Company: Experian Information Solutions Inc.
State: NC
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 sent my letter off to Experian on XXXX XXXX XXXX. I told Experian to do a full Investigation on the accounts I have listed below. I have also attached the letter I sent out and here is the tracking # XXXX XXXX XXXX XXXX XXXX I haven't received a response letter. I ask Experian to FULLY INVESTIGATE, and I also ask them to tell me the METHOD OF VERIFICATION of the Investigation, as well as I asked for a updated copy of my credit report. In which I never received. In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, 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 a account without my written instructions. Also as i was reading the FCRA and noticed they violated these laws as well 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) They stated that these account were verified but how is it possible if they didn't do a proper investigation according to the law. FRCA 15 USC 1681 everything has to be 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: BARCLAYS BANK DELAWARE
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have/had a Visa account with Barclays Bank Delaware since 2009. I have met all of my obligations and have had paid their ridiculous interest rates without complaint. Last fall and this spring they notified me that my account was switching over to a MasterCard account. I did not, nor do I want that to happen. I have business accounts that only take Visa and this is the only Visa account that I have. 
I called Barclays customer service line and explained my issue to several different people. The last being a " manager '' named XXXX  I asked to have my newly switched MasterCard account reverted back to Visa and they said they could not do that due to some cancellation of an agreement with XXXX, XXXX. Furthermore, if I wanted to pursue " opening '' a Visa account I would have to apply for it. 
My position is - I already have an account with them through Visa. Applying for a new one would affect my credit score. XXXX  agreed with me saying it wasn't fair, but still couldn't do anything about it. 
How is a worldwide bank able to switch affiliations with creditors and require that their customers re-apply for credit even though they currently have an open account? They are compounding personal credit issues, which are already beyond comprehension in this country, because of some " agreement '' they have with certain creditors. Seems unfair that I, and I'm guessing several thousands of Americans, are being treated this way and all we can do is take our credit score down by " applying '' for something we already have. The only option that I had was to close the account .... 
XXXX Bless the American Dream! But only if you're an international bank who can XXXX on those dreams of everyday Americans!

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: Premier Auto Credit
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft I report to the credit bureau and sent in police reports, and they will not remove it are they remove somethings and put it back on under a different name and different amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers 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 2022-10-31
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called Navient about 6 or more weeks ago to get information about my loan for the loan forgiveness application with XXXX. I let them know I was applying for school loan forgiveness with XXXX. I continued making my payments. My last payment made was in XXXX. When I went on their site in earlier XXXX ( this month ) to make a payment their site showed a XXXX balance and that my loan was being transferred to XXXX. So then I went on to set up a login with XXXX but it had no payment listed for me yet. Just last week i received an email from Navient saying that my loan was updated and that my first payment will be due in XXXX. When I went further on their site today I saw that they have me in a forbearance. I never asked for a forbearance and never approved XXXX. Now there is no Navient phone number listed on their website and I could not find it this time looking it up. I sent them an email on their own site. A forbearance could hurt my chances of loan forgiveness with XXXX and now I owe 9 something more dollars a month on my loan payments according to Navient starting in XXXX. I also dont understand why Navient didnt consider me for their own loan forgiveness since I have been paying this loan since XXXX originally with my XXXX XXXX and from XXXX with my XXXX XXXX. Please tell me what happened because I never wanted a forbearance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
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 FCRA XXXX XXXX XXXX XXXX has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

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 2023-05-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been conrtacted by XXXX XXXX, he keeps sending the same paperwork and stating that Wells Fargo Auto Finance was not present when the Loan Application went through. This makes no difference as I had banked with Wells Fargo since XXXX of XXXX 

I have my award letter from XXXX showing that I do not make {$2000.00}, which the seller put in as 'Assets '. I`ll be bringing tis up as a main part to the judge when my case goes before her this month. Wells Fargo Auto Finance is just as guilty as the dealership who ripped me off. 

Just by my SSN #, it would have showed on my banking records that I DO NOT make that amount. XXXX XXXX has repeatedly refused to lower my monthly payment amount, and I'm struggling financially.

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 2019-07-05
Company: JPMORGAN CHASE & CO.
State: IL
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 have a checking account with Chase Bank. A forged check for {$1100.00} was cashed from my account. I am unable to locate the actual physical check used, although having my other checks in my possession. I have reason to suspect my landlord 's son is responsible for the forged check. 

I am no longer living under this landlord, there were issues making the residency uninhabitable and I moved out within 20 days. My security deposit check was returned. Shortly after, a forged check was cashed from my checking account. The landlords son had been in my apartment at least twice in my absence, that I am aware. 

Chase Bank initially was supposed to reimburse the amount of the forged check ( {$1100.00} ) within 3-5 days. Speaking again with Chase Bank this morning ( XX/XX/19 ),  they said it would be reimbursed by the end of the business day. It is now the end of the day, and has not been reimbursed. It has been 8 business days from when I reported this. And it has still not been reimbursed. 

Please inform me of my rights and what next steps I can take to get my money back. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-12
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has been harassing me for payments for almost a year when the account has already been paid & closed for years. 

- Many years ago I worked with XXXX XXXX XXXX  to clear up my credit card debt and payed everything off in XXXX. 
- Last year ( XXXX ) I started getting letters from XXXX XXXX XXXX stating that one of the accounts was sent to them from Citibank because it wasn't paid. I disputed this claim but denied the dispute they continued to ask for payment. 
- Then I reached out to XXXX XXXX XXXX and they gave me statements to send XXXX XXXX XXXX people to dispute this debt again and I did but they denied the dispute again. 
- And then I reached out to XXXX XXXX XXXX AGAIN and this time they gave me copies of the all paid checks that Citibank deposited in XXXX. Showing hard core proof this was resolved. I submitted another dispute to XXXX XXXX XXXX and sent them the check copies and ... surprise, surprise ... they denied the dispute again. 
- And then ... I reached out to XXXX XXXX XXXX again and they suggested I clear this up with Citibank since they were the ones who accepted the payments. 
- And then ... I reached out to Citibank but said they couldn't help me because my account was sent to XXXX XXXX for collections and had no more records of my account after that it was sent to collections. Dead end there. 
- So then ... I reached out to XXXX XXXX XXXX and they suspected XXXX XXXX was doing something shady and said I should make a formal complaint with you, Consumer Finance to clear this up. 

PLEASE HELP! 
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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I disputed these accounts with the bureaus on XX/XX/23 requesting verification and proof of validation for these accounts. I have not received any dispute results. 
These account have been inaccurately reporting with HIPAA violations, numerous inconsistencies within their reporting that I have provided from the reports, & one doesnt even have the name of the creditor attempting to collect & is outdated. 

Given the circumstances, I am allowing one more investigation before I take further action. 

Please supply a binding contract with my signature for all accounts attached. Failure to provide this will result in a deletion immediately.

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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records, I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

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 accordance with the Fair Credit Reporting Act, These Accounts have 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-02-03
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries do not belong to me and I did not authorize them. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 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