BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Companies- XXXX/Transunion/XXXX. Account. Public Record. Since XX/XX/2009 These companies are reporting this Bankruptcy on my Credit report and have no proof of reinvestigating my dispute and on top of that saying that the Bankruptcy courts are reporting to the 3 major bureaus which they Do Not. Please reinvestigate these 3 Bureaus very thoroughly to make sure they are investigating properly and sending out actual facts instead of going by a 3rd party company that sends out inaccurate information. Please remove this negative item from my credit report as soon as possible. 
Thank you

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 2023-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Capital One account number XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to my privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Ref : XXXX I applied for the XXXX prime credit card by chase on XX/XX/XXXX. On XX/XX/XXXX I received a phone call from Chase requesting for verification of my application, after a few personal questions I was told my account was approved. When I hung up, I received an immediate call back within a mater of minutes advised this application is in review and I will receive a letter in the mail with the final decision. 

Today, XX/XX/XXXX I received a letter that states i have been denied due to having too many requests/opened accounts with chase. I recently applied two days before for an account which I was recently approved for with a {$5200.00} credit limit. 

I find this response to be biased and not true. I would like to have Chase reconsider this since I am a responsible consumer who pays for his debt on time and use it responsibly. 

I am a prime member with XXXX for over 10 years and would find it valuable to have this account due to my yearly expenditure with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Frontline Asset Strategies, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an email message from Frontline Asset Strategies on XX/XX/2020 indicating " They have been trying to reach me to resolve an outstanding balance with XXXX XXXX XXXX ''. Furthermore, the header message of the email is as follows : " Action required. Your account may be forwarded to an attorney. ". XXXX XXXX XXXX sold my account to XXXX XXXX several years ago. There was an outstanding balance, which was settled for less, with a company previously engaged on behalf of XXXX XXXX. The representative at that particular company was a woman named XXXX XXXX. Although, despite my countless attempts to receive a formal " settlement agreement '', I was advised upon payment of the agreed upon installments, my account would be marked paid in full. Subsequently, XXXX XXXX continues to attempt to collect the small remaining balance and has negatively impacted my credit rating as a result of failing to " satisy '' my account. XXXXrontline Asset Strategies message is as follows, " We have been trying to contact you to help you resolve your outstanding balance of {$510.00} with XXXX XXXX XXXX XXXX.. If we are unable to assist you while your  account remains in our office, our client will recall your account and may forward it to an attorney. Please avoid this situation by selecting one of the following payment options : A one-time payment of {$250.00} XXXX consecutive monthly payments of {$25.00} XXXX XXXX Strategies has implied there is monies owed to XXXX XXXX XXXX XXXX., Frontline Asset Strategies has misrepresented on whom they are acting on behalf, Frontline Asset Strategies sent a clear text message to a shared email address  containing confidential information, Frontline urges immediate payment or face to the account being recalled and sent to a lawyer, Frontline Asset Strategies implied they have been trying to reach me, this was the 1st communication I had received from Frontline Asset Strategies. XXXX XXXX had been notified of the balance dispute via a direct filing with the credit reporting agency. XXXX XXXX has not taken any action, nor provided any response to the credit dispute. In countless way, Frontline Asset Strategies and XXXX XXXX have violated rules under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: ALLY FINANCIAL 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:
my twin sister opened this account up in my name with my ID. This account is not mine. I have vehicles with other places. Ive filed a police report in regards to this matter and ive eve tried calling the dealership requesting footage

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 2018-10-22
Company: PNC Bank N.A.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I wrote a letter and mailed it certified mail return receipt to stop contacting me. I continue to get daily calls and voice mail messages despite instructing them to stop calling me. I am a senior citizen and they are scaring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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: Account information incorrect

Complaint:
Two bureaus are reporting two accounts for XXXX XXXX on my credit file. I ONLY HAVE ONE. Equifax is reporting one with the correct balance of {$7000.00} and the other with the balance of {$12000.00}. My income tax refund was garnished in the amount of {$5400.00} to go towards the ONE account which brought it down to the {$7000.00} AGAIN there is and was ONLY ONE account. I have disputed this back in XXXX and even sent proof to Equifax but apparently someone did not read the information for which I have attached here too.

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 2023-02-06
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: Their investigation did not fix an error on your report

Complaint:
I need the CFPB to investigate the reporting practice of XXXX!!! You guys just keep sending my dispute to them and it's not getting resolved, I need CFPB to do their OWN investigation at this point. Please explain to me how this charge off account 's balance keeps increasing?? I just received a notification that the balance has increased by {$200.00} from XX/XX/XXXX to XX/XX/XXXX. Where's the interest or fee coming from that's resulting in the balance continuing to increase!!! This appears to be illegal as the account is charged off, I feel they violating the Fair Credit Reporting Act. They report that it late every month as well. This is unethical, I AM ASKING THE CFPB TO INVESTIGATE THIS ASAP. The balance is now more that what it was when if was charged off!!! Has the car been sold?? This is crazy.

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 2017-06-19
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I used to have a XXXX XXXX XXXX XXXX XXXX issued by XXXX XXXX. InXX/XX/XXXXthese XXXX  have been sold to XXXX XXXX XXXX. My balance with XXXX XXXX before the takeover was XXXX. I received a new card from XXXX XXXX XXXX  and started with a XXXX balance. I have recently checked my credit report ( XXXX ) and noticed that XXXX XXXX XXXX shows 2 open accounts, the one currently in use and another one with an open balance of {$140.00} since XX/XX/XXXX but no payment due. I do not recognize the account number at all. I have contacted XXXX XXXX XXXX Customer Service, they do not find a second account in my name or any applications, and no payments due on my account, since I always pay my statements in full every month. I have called the number for XXXX that is shown on my credit report, which turns out to be some kind of number that tries to get you into some sweepstakes, home insurances and other bogus things. I have not pushed any buttons or numbers, as I am aware of these kinds of scams.
I have filed a dispute with XXXX, to no avail as of today.
Further down I am asked for the card/account number. I have put in what I know, nobody can tell me the last 4 digits of that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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 rewards from credit card

Complaint:
I used rewards points and credit card to buy 4 tickets to XXXX. 
Since Covid, the flight was subsequently canceled. USAA is claiming that they can not refund the tickets. They are using a third party vendor XXXX that is unresponsive. I have attempted on multiple days to reach out to the vendor to no avail. USAA is unable or unwilling to investigate the issue on my behalf. I just keep getting rerouted to same phone number run by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After Hurricane Irma I called my loan servicer Mr.Cooper formally known as XXXX XXXX XXXX. I called to make arrangements to defer two month of payments for XXXXXX/XX/2017 due to the disaster at which time the representative stated that I would have to resume making payments XX/XX/2017. Instead in XXXX I received a hand delivered notice to my home about foreclosure and different options I have to save my home, I called Nation Star Mortgage to inquire about the notice I received. The representative looked up my account and stated the everything was okay that she sees where I resumed making payments for the month of XXXX. To disregard the notice that those notices are generated automatically. I asked if she was sure because I don't want problems with my home. I haven't even recovered from the disaster because I was in between jobs. She stated I was okay. However, on XX/XX/2017 I received another notice delivered to my home and they then started coming in the mail. Checked my credit report and it shows on my credit report that my account is delinquent. I called again and to no avail the manager stated that the only option was to refinance my home or do a modification.Monthly statements are showing delinquent payments for the 2 months. Please help me.Its hard to recover after a disaster I'm currently fighting with the insurance company to repair my roof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: WELLS FARGO & COMPANY
State: NY
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 need a XXXX XXXX loan for a hearing aid. I applied twice and was declined. My bills and other credit cards are all paid on time. So why am I being refused

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 2020-09-11
Company: WELLS FARGO & COMPANY
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:
My vehicle was stolen on XX/XX/2020 and I was forced to purchase a new vehicle. I worked with XXXX at XXXX XXXX and XXXX and advised her that I was trying to buy a new house and that I didnt want my credit shopped around for any reason. I gave her a letter from XXXX XXXX finance showing that I was approved for XXXX XXXX She verbalized an understanding and took my paperwork from XXXX XXXX to the finance specialist. She advised him and he told me she did and that he understood that I did not want my credit run and that he XXXX XXXX ran it accidentally to multiple banks without my permission on XX/XX/2020 and neglected to tell me because he thought it was no big deal. On XX/XX/2020 I returned to the store and met with him and he advised me he would remove the XXXX XXXX inquiry. He advised me to contest it and he would not confirm it and it would be removed. I did as he requested. I also advised him that I spoke to the other banks and they said they would remove it if the dealership sent them a letter and they verbalized they would assist me. they however have refused to assist and have given me the run around and these inquiries are on my credit. I would like these inquiries removed from all three credit bureaus. I have video evidence of the dealership admitting they did the incorrect inquiries

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 2023-03-27
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/2021 I paid a collection account in full with XXXX XXXX , XXXX. I have proof of payment.

I filed a dispute with Equifax twice ; as of today I filed another one so 3 in a row. They are stating the balance and info is correct that they reached out to the creditor. I reached out to the creditor and they told me the account is paid in full and is no longer in their system. 

XXXX  and XXXX  have already removed the collection from my credit. Equifax is giving me a hard time and not removing it or correcting the balance info. So I am having to take this into further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I DISPUTED A COLLECTION ACCOUNT IN MY CREDIT FIL(XXXX XXXX) FOR THE AMOUNT OF XXXX   DOLLARS.THE AFOREMENTIONED ACCOUNT WAS DELETED FROM MY FILE IN XX/XX/2018.I DISCOVERED THAT THE SAME ACCOUNT RE-APPEARED IN FILE ON XX/XX/2018.I DID NOT RECIEVE A LETTER OF THE REINSERTION WITHIN THE FIVE PERIOD AS PRESCRIBED BY FAIR CREDIT REPORTING ACT(SECTION 611). THIS IS A CLEAR VIOLATION THAT SAID ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Dear Credit Reporting Agency, It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. Over a month ago all Three ( XXXX, Experian, XXXX  ) received the documentation and still have ignored the account with no update to my file. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

Attached is the information on the payment history and Government Issued ID for proof of validation. 

If you need any more information to include this in my report please feel free to contact me XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2019-11-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax continues to report negative fraudulent information on my credit report and refuses to remove it. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Account information incorrect

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

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