BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 repeatedly tried to get this account and inquiries deleted and Transunion has refused to do a proper investigation or pay me for continued violations per FCRA. I have submitted an identity theft report as well as documentation from the company. I have asked asked for validation of debt and I've yet to be provided anything. XXXX has continued to reage this account as they have admitted to in documentation provided. I have asked for proof and they have failed to provide any as I have provided documentation to these facts. I'm entitled to {$1000.00} per violation as I have been disputing this for over 18 months per CFPB and Transunion has failed to correct the problem yet has allowed XXXX  to damage my credit. I have disputed the inquiries and I have submitted proof and they have failed to delete them despite the documentation provided. I'm entitled to {$8000.00} for the continued violations. Deleting the accounts and inquiries doesn't obsolete Transunion of the past violations and they must be held accountable. My complaint should be forwarded to the FTC as Transunion and XXXX are both liable and continue to violate the law. The account that should be deleted is XXXX as they have continued to reage this account, the payment history, date of last payment, first delinquency, the account doesn't belong to me. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is concerning XXXX XXXX, this is not mine it has been reported along with other items sometime ago as Fraud, I attempted multiple times to report this to experian and XXXX, it was also reported to XXXX Police dept which filed a compliant on my behalf,

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 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX XXXX XXXX XXXX {$530.00}

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 2023-10-16
Company: Experian Information Solutions Inc.
State: CA
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:
I obtained a refreshed copy of my credit report today and noticed that there are multiple fraudulent inquiries that are possibly hurting my chances at obtaining credit. I did not authorize these companies to inquire into my consumer report so I believe this is identity theft in progress. The inquiries in question are as follows on my consumer report : XXXX XXXX XX/XX/2023 Experian XXXX XXXX NA XX/XX/2023 Experian XXXX XXXX XX/XX/2023 Experian XXXX BANK XXXX XX/XX/2023 Experian Transform Credit XX/XX/2023 Experian

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 2022-01-28
Company: DISCOVER BANK
State: SC
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/XXXX I was charged {$7900.00} dollars on my discover card. I submitted information to discover stating that I had not received services for this transaction. Services for the transaction were to be performed on XX/XX/XXXX. The merchant continued to push the event back due to covid restrictions. I explained to Discover that the merchant had blocked me on all social media platforms and has also changed their contact information when I began the dispute process, making it impossible for me to reach back out to the merchant. Discover closed the dispute and deemed it valid on XX/XX/XXXX. I informed them that the invoice the merchant submitted wasn't even an accurate invoice because I was charged more than the {$7900.00} but it was split between my XXXX XXXXXXXX card and my discover card. The charges totaled {$11000.00} XXXX XXXX  has been able to resolve the situation based on the information that I have submitted, but for some reason discover has not yet resolved the situation. I will attach a copy of both my XXXX  XXXX and Discover invoices proving that the invoice submitted to discover wasn't accurate. I submitted the correct invoice to discover as well as the letter from the account XXXX. I asked discover to send me the invoice that was submitted to them so that my attorney could try to bring this to a resolution but I have not received that copy and i have now requested it 6 times. They told me that I should be able to see the dispute updates online, however i can't access the dispute any more from my account. Today one of the representative told me that the invoice from the merchant isn't even landgable on her side either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX/DOFED XXXX, XXXX/DOFED XXXXDOFED XXXX, XXXX/DOFED XXXX, XXXX/DOFED XXXXDOFED XXXX XXXX, XXXX/DOFED XXXX and XXXX/DOFED 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 2022-01-28
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, and over { the amount of days } later I have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I booked a flight on Capital One Travel Portal using my Capital One VentureX credit card in XXXX on XXXX XXXX for XXXX XXXX The tickets were booked on XXXX/XXXX/2022 and had to be cancelled on XXXX/XXXX/2022 due to my gf getting XXXX. At this point, the Capital One Travel Portal said I got a credit for XXXX XXXX 

Currently, I am trying to rebook the flight using my credits in their portal. The portal clearly states that I have a credit of XXXX $ with following information listed as banner on booking site. 

" Your travel credit is worth US {$230.00}. There are no rebooking fees for this trip. '' Please note that it clearly states that there are no rebooking fees. Once I selected the flight, the fare on selected flight was XXXX $ over the flight ticket price on XXXX and other portals where I can purchase the ticket. I called the customer care to price match the fare, since that's one of the benefits of Capital One Travel Portal. However, I was refused to price match stating that the XXXX $ is actually rebooking fees for using my travel credit. 

I feel this is unfair and unethical approach in dealing with travel cancellation where informations are not shared upfront but adding hidden charges to the customer. Even while rebooking the ticket, at no place they state the XXXX $ rebooking fee instead have implicitly increased the cost of base fare on the XXXX XXXX. 

I am attaching the screen shots of my travel credit, portal banner where it says there is no rebooking fees, final price summary where base fare is XXXX $ over XXXX pricing. The customer care claimed this XXXX $ is rebooking fee. This is clearly unfair and unethical business practices using hidden fees and charging them as part of base fare

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX, XXXX, and Transunion have information that is incorrect and fraudulent accounts on my credit report. I am confused on why I am being accountable for false information. It is affecting me and damaging my character. Inquiries are on my report that is not allowed to be and wasn't approved by me. I have reached out to them, they haven't provided me with documents in regards to the accounts and their reporting different information, all three bureaus, I don't understand that if they all receive the same information from different creditor 's. I don't want to br held responsible for false information nor identity theft.

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 2021-02-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
TO : CHASE XXXX XXXX XXXX  XXXX XXXX XXXX TEXAS, XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SUBJECT : UNAUTHORIZED TRANSACTION BY CHASE for {$1000.00} This letter is for Consumer Financial Protection Bureau to please do an investigation on my account ending : XXXX JP Morgan, Chase, where I had been taken from my account without authorization the amount of {$1000.00} on XX/XX/2020 paying a Company that was already paid in full. ( See Attachments ) On XX/XX/2020 : I asked for a Loan with XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$1000.00} finding out that this company the payments were too high. 

On XX/XX/2020 : I paid the loan off for the amount of {$1000.00} ( See Attachment ).

On XX/XX/2020 : An Error occurred with a REVERSAL action for the amount of {$1000.00} done by Chase giving {$1000.00} back again. ( See Attachment ). I contacted the XXXX XXXX immediately, they told me that the account was paid in full and for the amount of {$1000.00} and once they close the account, they can not receive any more funds or money. 

I will like that Chase return my money, because I already send letters to their main office, SEE ABOVE ADDRESS with no respond. When I go to their bank at XXXX XXXX Florida, they immediately start saying that is not true. When I have proof that this amount was taken from my account. Please return to me a check for the amount of {$1000.00} owe to me. XXXX FDIC XXXX. This is the first time that a Bank take money from me. 


For any questions, please contact me via XXXX mail XXXX Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: PA
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: NY
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, XXXX of the family XXXX, am of sound mind and age of majority. Upon review of my consumer credit report I have been made aware of several errors. It is a fact that ANY consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It is a fact that i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE FOLLOWING ACCOUNTS FURNISHED IMPROPERLY AND DISHONESTLY BY REPORTING AGENCIES : Account name : XXXX  XXXX Account number : XXXX. Account name : XXXX XXXX XXXX Account number : XXXX. Account name : XXXX XXXX XXXX XXXX Account number : XXXX. Again, i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE ACCOUNTS ABOVE TO BE FURNISHED. In accordance with the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), FEDERAL LAW states A consumer reporting agency MUST, through PHYSICAL VERIFICATION of an ORIGINAL SIGNATURE CONSUMER CREDIT CONTRACT for ANY AND ALL ACCOUNTS posted to a consumers credit report. Failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified information MUST be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: I.C. System, Inc.
State: MD
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 is reporting an account with IC Systems closed in XXXX of 2020 that I have no knowledge of. I have never been contacted by this company regarding any said account via XXXX. This company is reporting false debt balances, information, or re-aging ... or a combination of all and XXXX is illegally reporting false info and thus ruining my credit by not verifying properly.

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 2023-07-19
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 is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX 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 2019-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 noticed that a collection was appearing my credit report from Capital One Bank. I sent Capital One Bank a written letter on XX/XX/2019 requesting some sort of verification/validation of this erroneous reporting. Capital One Bank responded with a letter onXX/XX/2019stating that the debt was reporting correctly. 

Capital One Bank, blatantly ignored my request for verification since they are STILL reporting this erroneous, misleading and slanderous information to the CRAs. 

Why is it the consumers job to provide the creditor information to do their job. If they reported the information to the CRA 's then they SHOULD have all of the information readily available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NJ
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: STERLING BANCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Our loan agreement ( Paragraph 5 ) describes how the monthly interest rate is calculated. It is based upon the prime rate reported in the XXXX XXXX XXXX plus 1 % and the monthly billing cycle applied by the bank. The XXXX XXXX XXXX lowered prime on XX/XX/2019 - no rate reduction was applied by the lender on either the XX/XX/XXXX loan statement nor the XX/XX/XXXX statement. No explanation of any sort has been provided despite repeated attempts to contact the bank and its loan servicing agent - by phone, e-mail and letter. Please realize that this policy of the lender likely affects thousands of borrowers, not just our loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation