BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
There is a credit card in my name under Capital One under account # XXXX. Upon reviewing my credit report last year I seen this account on my credit report and I contacted the company and they advised it was paid and charged off. I SPECIFALLY asked would this be deleted being it was paid off and I was advised that it would be a pay to delete however, I today was told today ( ( XX/XX/2022 ) that it was incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Park View Credit
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/XXXX I search the internet trying to find a mortgage company that would finances someone with a low credit score. And I came across a website that was set up like the federal government. That stated XXXX had a program that would help consumer with a low credit score buy a house. But, you had to fill out their form so that they could run your credit report to see which of their plans would work best. Will I fill out the form and was DENIED. Then less then 10 minutes later I received a call from XXXX XXXX XXXX XXXX XXXX XXXX representing their self as been afflicted with the Federal government ( XXXX XXXX department assistant consumer with getting approved for XXXX housing program. They promise me after reviewing my credit that they could get my credit score repair to at lest 80 to 100 point from what it was. I asked what was their process and how long should I expect to see any changes. And I was inform that base on my credit it should n't take them no longer then 3 to 4 months. I question them about a judgment for past due rent. And they told me that I did n't have to pay it that they could get it removed. After all their gran promise the total me that their fee was {$500.00}. and it was refundable if I was n't satisfied. I have tried emailing and calling to request my refund with no reply. All they did was mess my credit up worse then when I was.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-20
Company: WELLS FARGO & COMPANY
State: FL
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:
Around two to three months ago unsure of the exact date. Me and my girlfriend were setting up a baby shower and we went through a party retailer to rent tables chairs etc. the retailer was asking a deposit of 50 % which was only refundable up until a certain day before the event. A family member was able to help us with chairs and tables hence we decided we wouldnt need their services so it being serveral days before the last day to refund we called and asked but they kept denying our refund saying it was too late even though we had not past the discussed date. So I went through my bank to try and charge back and get my XXXX $ back seeing how these people were attempting to take advantage of me. Then fast forward 2/3 months and my bank denied my charge back saying the merchant has the right. That they got a signature ( which is not even mine ) I never read any of the paper work or agreed. So now my bank has sided with them saying I have no right to a refund even through I requested one before the due date the merchant is saying we attempted to request it after and that is their reason for denying us our refund. The merchant wont do anything to help us and my bank wont either. The merchant never provided any service or product and are charging me XXXX . I feel like Im being cheated by my bank and the justice system. I work hard everyday and have a kid on the way these people literally left with no money in my account and are just trying to dust me under the rug.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Contacted company and was gave them concerns regarding account being continuously reported to credit bureau due to negative impact on housing market. Confirmed that they sent in a request for negative reporting to end for account, however it is still showing as negative on 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 2023-06-12
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:
Please remove the information listed on my identity theft affidavit and this affidavit of facts. As these accounts appear to be a part of one of the several data breaches that I have been included in. Also, please read over the violations that have occurred as by product of you placing adverse information on my profile without my consent. 

Please see the attach FTC Fraud Affidavit Letter. 

Please note that I have address all credit reporting agency involved in one letter. Please read it and go to the section that has the name of your perspective company and delete what is listed. 

Please see my identification listed inside of the letter.

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 2023-06-12
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:
fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you. XXXX XXXX XXXX XXXX account # XXXX {$6600.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX {$3200.00}

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 non-monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I send a reinvestigation letter to XXXX, XXXX, and Transunion pertaining XXXX  XXXX XXXX account on my credit profile. I also complained to CFPB about the inaccuracy and damages that these credit reporting agencies have done to my credit report. The response I received from XXXX, TransUnion, and XXXX was that the inaccuracy on my credit report was verified. I was not given any information on how this inaccurate reporting is verified, and what was investigation methods used to verify the information. I am still left with my credit hurting with inaccurate information. Down below you will find the letters I have received from XXXX and Transunion. XXXX did not respond to the investigation which is a violation of the company have 30 days to respond and they failed to do. Also, I included the next set of letters mailed out to the credit agencies below requesting some answers and accountability and deleting the 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 2020-12-16
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I recently sold my home located at XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/XXXX that had a mortgage secured to it that was serviced by Freedom Mortgage acctXXXX. I am in the process of purchasing a new home & my lender informed me that freedom mortgage reported that I was late on this mortgage in XXXX & XXXX in XXXX. The sale of XXXX property was supposed to close on XX/XX/XXXX but the title company filed to wire the funds to payoff my mortgage at freedom until XXXX meaning that I was late in XXXX, however, I was not late in XXXX & I have documentation from Freedom showing that I made the first half of my XXXX payment on XX/XX/XXXX for XXXX & the second half of it in the amount of XXXX on XX/XX/XXXX, which is also when freedom show it was applied. I have reached out to Freedom to get this rectify with no luck & as a result of their error my credit has drop by about 100 points plus i am being told that with two 30 day mortgage lates in the last 12 months my new VA loan is likely to be denied.

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 2019-06-10
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have in the last 2 years dispute this account and collection on my credit report. This account does not belong to me and I have called, fax them my true identity and this company refuses to delete it from my credit report. I get harrassing phone calls on a daily basis and I even get threats from them. I can't take this no more of the calls, threats and harassment when this account is done fraudulent and its the results of identity theft. Please help. 

{$19000.00} XX/XX/2017 2017

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 2022-11-01
Company: Experian Information Solutions Inc.
State: GA
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 have not received any information on how you have verified the erroneous information and alleged account attached in Exhibit XXXX Therefore, I request that you consider this as a final notice to your offices. Beyond this point, the CFPB will have authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ****** ( copied from the affidavit attached. ) ******

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
Dear CFPB : I have a Chase XXXX Credit Card with the last four digits - XXXX - for more than 6 years. On XXXX XXXX, 2021, I found that there were 8 unauthorized transactions on this XXXX credit card XXXX XXXX XXXX from XX/XX/2021 to XX/XX/2021. 


XX/XX/2021 {$11.00} at XXXX XXXX XXXX XX/XX/2021 {$130.00} at XXXX XXXX XXXX XXXX XX/XX/2021 {$1200.00} at XXXX XXXX XXXX # XXXX XX/XX/2021 {$12.00} at XXXX XXXX XX/XX/2021 {$21.00} at XXXX XXXX  XX/XX/2021 {$14.00} at XXXX XXXX XXXX XXXX XX/XX/2021 {$3.00} at XXXX XXXX XX/XX/2021 {$1.00} at XXXX XXXX On XXXX XXXX, I informed Chase Customer Service about the credit card fraud issue XXXX Actually, I didn't lose my physical XXXX credit card. It is always on hand. So I wondered why there were 8 fraudulent charges on my Chase card. The Chase Customer Service did not give me any reason about how the 8 unauthorized transactions happened, although they helped me dispute those charges and sent me a replacement card with the different last four digit. On XXXX, I learned that Chase was figuring out the product change from the " XXXX Credit Card '' to " The XXXX XXXX XXXXXXXX Card ''. So they sent me a new XXXX XXXX of XXXX XXXX XXXX the last 4 digits are still XXXX ) on XXXX. I am definitely sure that someone stole/picked up my delivered package including the XXXX XXXX of XXXX XXXX XXXX XXXX ) and used it to go shopping. However, I didn't receive it and activate it. 

On XX/XX/2021, I received a notice letter about my credit card issue from the Chase fraud department. Except for one transaction on XXXX XXXX, I am responsible for 7 other transactions. I called the Chase Customer Service and Chae Fraud Department to let them that the XXXX transactions are unauthorized by me. It is not reasonable that I am responsible for the 7 unauthorized transactions. My reasons are as follows. 
XXXX ) The Chase bank mailed me a new credit card. But I was not informed in advance. 

XXXX ) I did not receive the new " The XXXX of XXXX XXXX ''. I did not activate it. I wondered why someone can use an inactivated credit card. Recently, I just learned that any new replacement credit card issued from Chase can be used directly without being activated. I would say that this is a serious defect of Chase credit cards about the fraud protection. 

XXXX ) According to the investigation notice letter, a 11.22 dollar charge on XXXX XXXX XXXX XXXX XX/XX/2021 ) is determined as an unauthorized transaction. I wonder why 7 other charges ( XXXX ) are completely my responsibility. 

XXXX ) I only received one fraud alert message for one unauthorized transaction. 

The attachment file includes a statement with the 8 unauthorized transactions and the notice letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 disputed this collection XXXX XXXX XXXX for months.XXXX  and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of 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 2017-09-21
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX, I checked into a hotel where the total was {$240.00}, so I deposited {$260.00} into my account to cover the cost of the room. As I checked in the young lady informed me that the hotel would place a hold on the funds needed to cover the room plus an extra {$20.00} per night to cover the hotel 's incidentals fee, I said that would be fine and checked in. On XXXX XXXX, XXXX when I checked my account there had been a charge on my account for {$170.00} made for a garnishment, XXXX that I had been informed by letter would not take place and the funds would be removed from my tax return of the upcoming year, and the hold that covered the hotel cost was now gone. I tried calling the bank and I was informed that it had nothing to do with the transaction, and that I would have to call the state revenue offices for them to release the funds and once the revenue office did so that the bank could place the funds back into my account. I then called the revenue office and spoke with a XXXX XXXX id number XXXX, where she informed me that the bank infact did know about the transaction and approved for the funds to be moved yesterday, XXXX XXXX, XXXX. She also informed me that the funds had not yet been transferred to them. So, I called the bank back and spoke with XXXX, who says that even though the revenue office did not yet have the funds they were the ones that had to reverse the transaction. After he tried to explain the situation to me, I asked him about the funds that were on hold for the hotel and he says to me that the hotel never placed a hold on the funds and that there was no record of any transaction involving a hotel. I then tell him that I would not have been able to check in if the hotel could not place a hold on the funds in my account ; I knew better because I have been homeless and living in hotels sine XXXX of XXXX and the hotel has always placed a hold on the funds to cover the cost of the room plus the incidental fee. I have had incidents before where the bank has shuffled around transactions that would leave me in the red but never much. I would just like for the funds to be placed back into my account so that I can cover the cost of the hotel room.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has lowered my credit score..CFPB please step up and remove the error

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 2018-07-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Consumer Relations : Please be advised this letter is being sent to request an investigation with your agency in regarding the inaccurate entry being reported onto my credit report under Bankruptcy Chapter XXXX-Dismissed for account # XXXX. I have repeatedly asked TransUnion for evidence to support their reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by Bankruptcy Chapter XXXX-Dismissed, XXXX and XXXX, substantiating their claims. 

Secondly, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe they are acting in bad faith and have not complied with the Fair Credit Reporting Act, I had no choice but to file a complaint with the Consumer Financial Protection Bureau. 

Furthermore, the Bankruptcy Court states within their letter that they do not report public records with any credit reporting agency. Also the security freeze prevents XXXX and XXXX XXXX from releasing any of my reports. Please see attached copies of documents that substantiate my claim. I request TransUnion to please look into this matter immediately and correct the inaccuracy within the time frame required by the Fair Credit Reporting Act ( FCRA ). Also, I will need you to inform me in writing of the results of your investigation. Please also send me my updated and corrected Credit Report as soon as your investigation is finished. 

Lastly, the TransUnion representative Mr. XXXX, XX/XX/2018, upon request, refuse to supply me the name of the source and agency that was use to verify relevant information regarding my dispute that the agency has received. Mr. XXXX, also stated my complaint was finalize and closed and status sent in the mail regarding disputed public record. When I question the procedure use and name of source, he told me you are breaking up and that he could not give me any information that was use in the dispute. 

Thank you for your time and consideration in this matter. 

Sincerely,

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 2018-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I became a teacher thanks in large part to receiving my XXXX grants for my graduate studies. In XXXX of XXXX I was notified by XXXX XXXX XXXX that my " grant '' was now a loan that they were collecting on. I became a certified XXXX in XXXX and am now tenured. I have been with the same employer since XXXX. XXXX XXXX is not interested in working with me and have indicated that they feel justified in collecting money from me that the US Department of Education granted to me. I make sacrifices to continue XXXX ; financial, personal, and professional sacrifices. Please rectify this issue.

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