BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XXXX of XXXX I have attempted several times to contact Transunion, XXXX, and XXXX about violating my rights under the FCRA. I have listed the accounts below which is requesting to have them deleted from all three credit bureaus immediately i will also state the law which violated my consumer rights. 
XXXX XXXX Dept of EdXXXX  in the amount of XXXX account number XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX 15 US, Code 6802 states a financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card, deposit account, or transaction account of a consumer to any nonaffilliated third party for use in telemarketing U.S.C 1681 section 602 A states i have the right to privacy.

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 2020-06-13
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I called the USBank 's home equity department regarding an insurance issue and they said their insurance department will NOT talk to the customer directly and they refused to transfer me to the insurance department claiming it was " Company Policy ''. This Company Policy is appalling. How can I rectify the issue if they won't speak to me?

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 2020-06-13
Company: Synovus Bank
State: MI
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:
Secured credit card FIRST PROGRESS CARD states a charge off but card was secured with my deposit of {$300.00} and account was closed. Incorrect reporting Account closed in 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Opportunity Financial, LLC
State: NJ
Product: Credit reporting 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:
Oop Financal Loan by XXXX XXXX is not considered to be payday loan weekly on credit report impact potential negative upon late payments after I did request them to be closed the account so that I could settle special program payments could arrangements unfortunately they refused to close the account before 30 days to put negative potential harm my credit report unacceptable however I did dispute all credit report bureau but not satisfied their results because its clearly not accurate report monthly payments instead of payday loan weekly report. Oops Financial Loan should be considered to be monthly payments upon credit report NOT PAYDAY WEEKLY!!! I did contact them twice but not resolved due to communication access I am XXXX to use video relay operator service to assist me communicating access by FCC federal regulators required I did dispute all of them again additionally information support PDF documents for weekly payments scheduled NOT MONTHLY!!! Also interest rates excessive more than weekly long periods I didnt appreciate them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/22 I used my Capital One credit card to buy a plane ticket for my husband on XXXX The ticket cost {$1200.00}. It was a ticket to fly from XXXX, XXXX to XXXX XXXX XXXX XXXX, XXXX. After buying the ticket, I contacted XXXX XXXX ( the airline flying the second half of the itinerary from XXXX to XXXX to XXXX ) about a separate matter. During that phone call I was informed by the airline the XXXX was not allowing transit through the country. At that point, I contacted XXXX to see how they could help us change the ticket or give us a refund since the ticket they sold us was not usable. They refused to help in any way, only offering us a {$10.00} refund on our $ XXXX ticket. As this seemed unacceptable and just wrong, I then went on to contact Capital One and dispute the charge. I worked with them for over a month on the dispute. I called several times, sent them all the documents they asked for and more, took all of their advice and did everything possible to work with them so they could help me. At first they credited my account and made me feel very comforted that they were on my side and would help me, they agreed that what XXXX did seemed wrong. However, after XXXX responded to the dispute and refused to refund the money, Capital One took back the credit, closed my case because I hadn't canceled the ticket ( which I had been told not to do by them ). I asked to continue the dispute and canceled the ticket at that time based on their advice. After that, Capital One once again closed my case and said they couldn't help because XXXX followed their policies and therefore, they could not do anything to help me anymore. I called to try to keep fighting it but was continually told that they couldn't/would n't do anything else. So even though XXXX sold me an unusable ticket and refused to make things right, because they " followed their policies '', Capital One also would not help. I have reached out to both companies multiple times and have gotten nowhere. Capital One is supposed to protect me from fraud and fight on my behalf, however, because I followed their advice, I can't even go back to XXXX and ask them for more help because I already canceled the ticket. I appreciate your help with this complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: ALLY FINANCIAL INC.
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a vehicular loan with Ally financial inc, they are calling me regarding a XXXX XXXXXXXX XXXX and are attempting to collect a debt. Operating as bank holding company and debt collector is illegal and they are violating the fdcpa

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 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reported to the FTC and The XXXX XXXX Sheriff 's Department our Local Police Bureau that I am a victim of True Name Identity Theft. 

This started back in 2014 when I discovered that I had multiplXXXX XXXX XXXX XXXX and XXXX Bank accounts opened in my name without my consent or authorization. 

XXXX  XXXX XXXX determined it was internal fraud and sent me letters claiming liability. I reported to XXXX these were not mine, and they did not investigate and I sued them and we settled. 

I have reported to XXXX Transunion, and XXXX that I am a victim. I have sent police reports. I have sent victim statements. FTC Reports. I have disputed, numerous times. I have called and I hire an attorney to work on this as well. 

I have over 60 inquiries that are not mine. I have done all I can do. My next step is a lawsuit. Not one of these companies has investigated my Identity Theft and yes minimal accounts have been removed AFTER we filed an intent to sue. I need answers and I need them now.

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 2023-11-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2023-05-06
Company: Kriya Capital, LLC
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: Account status incorrect

Complaint:
XXXX XXXX  reported me incorrectly to the credit bureau to collection when my account was actually paid off. This was reported erroneously to the credit bureau as the account didn't have a balance and should have not been sent to a collection company. While the company has submitted a remedy ticket number to recalling the account, I need the account deleted from my credit bureau. This was completely XXXX XXXX 's fault and that information was erroneously reported to the bureau. XXXX must delete the collection record on my credit bureau and rectify the issue as soon as possible, I was in the middle of buying a home and any incorrect report or lack of deletion of this account will cause me to lose my home purchase and potentially lose a deposit of {$7500.00} to whim I expect XXXX XXXX to be liable for including any additional mental distress and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THIS IS NOT A DISPUTE : THIS IS A COURT ORDER BY A UNITED STATES MAGISTRATE JUDGE. SEE THE ATTACHMENTS AND COMPLY WITH THE ORDER. THE ORDER IS FOR PLAINTIFF ( XXXX XXXX ) TO FORWARD A COPY OF THIS ORDER TO ALL THE DEFENDANT ( S ) WHICH IS TransUnion, LLC., IN THIS CASE. UPON RECEIPT OF NOTICE SERVE AS YOU HAVE RECIEVED A COPY OF THIS ORDER. THE INSTRUCTIONS IS WRITTEN IF TransUnion, LLC., FAILS TO COMPLY. THANK YOU FOR YOUR TIMELY COOPERATION. XXXX XXXX All Rights Reserved.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all parties ( credit card and credit bureaus ) that these accounts are not mine multiple times. The two accounts don't even have my correct address attached to them. 

XXXX  XXXX XXXX  has had a similar issue reported to the Supreme court in a lawsuit lawsuit against nine defendant banking and debt-collection institutions on XX/XX/, alleging that each defendant reported inaccurate and derogatory information related to her credit card account and failed to correct their errors after receiving notice of plaintiff 's disputes from the credit reporting agencies, all in violation of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692 et seq. See generally XXXX XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX. 

I too am a victim of fraudulent accounts not being removed from my credit report. I have attached my identity theft report here as well as the civil action lawsuit against the company. 

These are accounts are not mine need to be removed IMMEDIATELY. The credit bureaus and credit card company is in violation of 15 US Code S 1681-c2. It has been more than 30 days and you are in violation of this law because I am a victim of identity theft. Please remove these accounts immediately from my 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 non-monetary relief
Consumer complaint received 2023-05-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi I have investments and a mortgage thru wells Fargo and I am wondering about this class action law suit.i am researching this if I have any part of this and will I have too get my attorneys involved.what are my resources do I have..please

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 2023-08-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My Original balance with Mattress firm, Synchrony Bank, was {$1400.00}. I have been paying on time with this 0 % APR 2 yrs program. 
Rep from Store, just told me no interest for 2 yrs..XX/XX/2023 was the expiration date and I have remaining balance of {$180.00} which I am still consistently paying. To my surprise, my balance increased to {$930.00}, in XX/XX/XXXX. I am a senior citizen with some XXXX and in XX/XX/XXXXI had health challenges, so I couldn't call Synchrony. Now, XX/XX/XXXX comes and I saw that they tucked in {$770.00} interests in my balance of XXXX I didn't get any warning letter to payoff the entire balance, i didn't get any email, nor text ahead of time, and Synchrony kept saying it was in my paperless billing. I think this sets me up for failing to pay it off. So unfair to me who is a very good paying customer. 
My other store card with Synchrony is Ashley furniture. No interest for 60 months, and payment is {$90.00} a month. I have reached out to them to remove the interests and that my monthly payment is {$90.00} ... .since XX/XX/2023. Rep kept saying it takes 60 days to straighten it out. 
Now. My minimum monthly is {$120.00} .... 
I fairness to me, this bank should cancel the interest that they charged me in my mattress firm card of {$770.00} ... ..and the Ashley furniture card, they should keep my minimum monthly of XXXX dollars. Or 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 2023-12-11
Company: EQUIFAX, INC.
State: NJ
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See attached ID theft report I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me.

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 2022-11-24
Company: EQUIFAX, INC.
State: SC
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 followed up by sending a demand to comply as of today XX/XX/XXXX notice to the creditors, debt collectors and CRAS as its been 16 DAYS and I havent received a sufficient response so all of these negative marks and derogatory accounts need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Trans Union and Other Corporation, not government entities are receiving and reporting information that is denying me stability, housing, credit, and more. This is against the Privacy Act and I never signed for them to report any information. There are accounts that are incorrect, sure to be written off on taxes, and these merchants are trying to steal additional money from me. I disagree with all agencies reporting my negative information, I contest the accuracy of accounts, validity, whether written off on taxes already, also I contest all bureaus reporting are breaking the law. As, I did not consent to them reporting negative items, my address, name, dob, or anything that will cause me denial of credit, employment, housing, and or stability. This is against the law, Privacy Act, Lack of Consent, Reporting Incorrectly, and mainly breaking the law.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: NY
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 response to consumer: In progress
Consumer complaint received 2021-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2020 the whole society was impacted by the coronavirus pandemic. I was impacted finacially and missed payment with Capital One. I explained and provided proof that i was impacted by Covid 19 and wrote a letter for a forgiveness of late payment and their response was that according to FCRA it requires they report accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently reviewed my consumer report and there are several inquiries that I have not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit R

eporting Act 15 USC 1681 Section 602 A I have the right to privacy 15 USC 1681 Section 604 A Section 2 No financial institution is supposed to share my information to a third party. I did not give written permission to have the accounts added to my credit report. 15 USC 1681 et SEQ I have also filed a police report for fraudulent inquires and they are list
on the report see attached documents

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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