BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
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: Public record information inaccurate

Complaint:
The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, TRANSUNION, XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.

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 2021-11-29
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred {$49000.00} from my old savings account into my Schwab account. For no reason, Schwab has indefinitely frozen my account, despite multiple hours on the phone with their customer services, and many different forms of identity authorization ( I've given them my SSN, the correct answers to my security questions, the correct balance in my account, and the correct answers to multiple public records quizzes ). They claim they can't see why my account was frozen. They also say they can only reach their internal investigators via email. No one can help me and now I can not access a large portion of my savings. My money is being held XXXX, for no reason, and without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
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: Account information incorrect

Complaint:
XXXX XXXX credit card balance is incorrect balance should be updated to XXXX XXXX XXXX credit card balance is incorrect balance should be updated to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/Nelnet XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 2019-02-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Im trying to set up XXXX and estate planning for my XXXX mother. I currently have a security freeze with Equifax. Everytime I call, they say system is updating and call back in an hour. Its been 24 hours now and my mothers application for XXXX and my estate planning is on hold. Im here in Florida trying to resolve these issues and I have to fly back in the next few days with my mothers life in XXXX and finances are in limbo. This could be a very expensive glitch and XXXX of dollars are in the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WI XXXX ) has been playing cat and mouse to close my account and complete my Trustee to Trustee Transfer. It has been over a month since I have sent my request and they haven't been able to close my XXXX  account and complete my Trustee to Trustee transfer. They also charged me {$66.00} on a single day ( XX/XX/2019 ) and still has not closed my account. I am losing money on an alternate investment. The company should be penalized for not being able to close an account on time and charging me a customer fee and lost opportunity cost on an alternate investment opportunity I would have made by now. 

T

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 a notarized letter on XXXX by certified mail with USPS return receipt required. Transunion did receive the letter of XX/XX/XXXX, and I received the return receipt card bearing their signature. I also sent letters to Transunion on XX/XX/XXXX, XXXX and XX/XX/XXXX, but Transunion has ignored all four letters. In the letter of XX/XX/XXXX, I demanded that Transunion provide written proof of debts it reports or to remove the alleged debts from my credit report. As of today, XX/XX/XXXX, Transunion has neither removed the debts from the credit report nor have they sent me written proof of the debts they 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 2020-05-08
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
EVERY ACCOUNT THAT IS LISTED HAS BLANK OR MISSING INFORMATION. I CANT DISPUTE WHAT I CAN NOT SEE. THE CREDIT REPORTING COMPANIES ARE ALLOWING THE CREDIT REPORTERS TO REPORT MISSING INFORMATION OR COMPLETELY BLANK LINES. EVERY BLANK SHOULD BE FILLED OUT OR STATE NOT APPLICABLE. THIS IS RIDICULOUS. IF THE REPORTERS ARE NOT GOING TO ADHERE TO A SIMPLE STANDARD OF COMPLETE INFORMATION THE THE INCOMPLETE INFORMATION SHOULD NOT BE ACCEPTED. ALL MY ACCOUNTS ARE MISSING THE CRUSAL INFORMATION OF OPEN OR CLOSED. THE XXXX XXXX ACCOUNT DOES NOT STATE OPEN OR CLOSED THE ACCOUNT IS BLANK. THAT SHOULD BE EASY TO FIX

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 2019-02-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/19 hi received an email from Equifax stating that my dispute was resolved and attempted to access the results online ( unsuccessfully ) and was redirected to call in. Upon calling Equifax the same day, I was told that they were unable to access my credit file because their system was " updating '' and to call back in a half hour to an hour. I then questioned the representative and informed them that the same thing happened to me when I attempted to file my dispute a month ago. I assumed that the issue would be resolved in a short time, however I was sadly mistaken. 11 phone calls later, I was repeatedly fed the same line from everyone I spoke to.This morning, over 24 hours later, I am still unable to access my credit file. I am in the process of applying for a loan and can not lift the temporary freeze on my account so they may access my file as well. Nobody has any answers as to why this is happening or really seems to care. I hope some oversight from your agency will hold the individuals from corporate responsible for their actions ( or lack thereof ) and deal with the parties who feel that this lack of accountability and service to consumers is acceptable. How can this company be trusted with highly sensitive and private information when they are not even capable of performing their SOLE function?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
See the letter that's attached ( Violation 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 2021-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XX/XX/XXXX I cosigned for my son XXXX XXXX on a purchase for a XXXX XXXX XXXX XXXX, within three weeks of the purchase of the vehicle it broke down and could not be fixed per the dealership, My son put down a {$500.00} deposit which he lost, and the vehicle was turned into the dealership. The loan was financed through capital one auto, and I repeatedly called them to The dealership has possession of the car because it could not be repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
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:
At the time of my identity death gain access and believe all my personal information including my Social Security number to open up accounts without My permission and authorization I hope this report it would help. Put a stop to this issue from ever occurring

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 2019-02-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I submitted disputes to Equifax XX/XX/XXXX and various complaints afterward with the assistance of a credit repair company. I have never received a response to all my disputes or a report. This is a gross violation of my consumer rights. I am asking the CFPB to investigate Equifax in reference to my file ... 

INQUIRIES XX/XX/XXXX XX/XX/XXXX unauthorized XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XXXX not mine XXXX not mine XX/XX/XXXX XXXX XX/XX/XXXX XXXX not mine XX/XX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XX/XX/XXXX XXXX not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Hello. I've been requesting validation from LVNV Funding for a debt that claim I owe. No validation information has been received. They have begun contacting me, where there had been no communication before, via calls and letters to collect the debt. I continue to dispute the matter. Today, XX/XX/2019 @  XXXX. I received a call from them, robo call, stating they would have " me arrested, freeze my bank accounts and suspend my social security # '' if the matter is not handled. I have the voicemail saved. Not only have they not furnished information to me on this account, that I do not owe, but they are threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX at XXXX submitted a FICO credit score application to check on credit through the Citibank website. Received score and was pleasantly surprised to see the results. The intentions were to open a new credit card to start restoring credit. Citibank website suggested the Citi Preferred Thank You card along with the AAdvantage card applications. After reviewing the choices I decided to apply for the Preferred Thank You card considering it was suggested after my credit report was ran. Surprisingly my application was declined after submission. I feel that with the running of my credit report, knowing the results and offering a credit card that had high chances of it being declined was very misleading and it will leave an inquiry I would rather not have had I known the chances.

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 2021-04-06
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
I try to get few charges on my credit report that aren't true but. XXXX XXXX XXXX and XXXX XXXX bank. Keeps lying about this issues credit one bank claimed tha I have a contract with them but the don't bring the prove the haven not bring anything to provided it that why when I closed my account I was to finished pay what I used to owe them but the. They started to add more money late fees anual payments i have tried to resolve this issue bit they don't care they damage my credit becouse their fraudulent way to add money I would not pay money I don't owed them they are taking advantage of my situation the keep calling the house late night early in the morning non-stop I did a complaint with my credit report agencies but they side with them they didn't get any given any proved about the challenges but. They didn't remove it from my credit report non of them care

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
the following accounts that appear on my credit report, without any authorization, do not belong to me, please review them XXXX Account Number : XXXX This is not mine. 

XXXX Account Number : XXXX This is not mine.

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Report reflects as XXXX XXXX XXXX as 30-60 days late numerous times. Never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had security monitoring at my home. We sold our home in XX/XX/XXXX. The company continued billing me, even after several calls to stop. I had to end up faxing them a copy of the sale papers. In XX/XX/XXXX, I reached out again by letter and asked them to remove from credit reports because I was never late, I gave them my email address and phone number to contact me and I have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
My name is XXXX XXXX, unemployment transferred my funds to XXXX XXXX, the issuer of the cash app card, they sent it to an old account that I no longer have the login information to, I ask them to send it to my current account I sent them the trace letter that unemployment sent me that states where the funds are the account number and the amount I gave them my current cashapp info and they still refuse to see my money please email me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
There are several account currently showing on my credit report which I have asked the credit bureau to verify as accurate the credit bureau has not provided and documents to me confirming the items were in fact verfied and accurate so Im requesting that the items be removed ASAP until the creditors can in fact confirm the accounts are valid which they are not Im also requesting several inquiries be removed as they were unauthorized also there are 2 phone numbers and a name appearing on my file which DO NOT belong to me Transunion has failed to remove these items after I requested it on XX/XX/XXXX and XX/XX/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 Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit inquires I don't recognize

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