BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I recently applied for a credit card with Capital One and was denied on XX/XX/18. I received a letter stating that I was denied due to pending legal action being taken against me. I called Capital One and spoke to a rep in the customer service who said that they had no knowledge of any case against me and said they would send a request for re-approval. No one returned my requests and I have just been denied the card with no further explanation. It is against Federal Law for a financial institution to deny a credit card application and not provide a valid reason and a means to dispute the information if there is adverse action taken against a consumer. Additionally, the correspondence from Capital One does not include required information, such as credit score and how such information is used. Furthermore, it is against the FDCPA for a bank or debt collector to threaten to take legal action if they have no intention of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-01-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Checked my credit score through my primary bank ( XXXX ) on XX/XX/XXXX. Discovered that XXXX XXXX XXXX XXXX negatively affected by a credit card under SYNCB/PPC having created a {$3400.00} charges to a credit card I had not opened. 

On XX/XX/XXXX. I contacted the XXXX number provided by XXXX that connected me to XXXX and XXXX bank where I confirmed my identity and confirmed that the credit card was created fraudulently. I was eventually connected to the fraud department at SYNCB/PPC who said they had now closed the account while they investigate the matter. 

It appears that the credit account was created in XXXX of XXXX and had not been used until recently so I hadn't noticed any effect on my credit rating nor received any communication about the account 's creation. 

I do not recall giving any of my information out online to any disreputable source however my SSN is required to be submitted to employers and other accounting services when I send invoices. I plan to check if my information has been acquired through any data leaks or service hacks. 

I am planning on reporting the problem the the major FICO companies and issuing a fraud alert on my credit. If any problem persists then I may freeze my credit.

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

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 non-monetary relief
Consumer complaint received 2020-09-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have a Bankruptcy XXXX reporting on my credit report as of XX/XX/2019. I have never filed Bankruptcy, there is no balance but this is a derogatory info on my credit report. They must have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent personal information correction correspondence to Transunion, XXXX, and XXXX to update my credit profile and they yet continue to violate my consumer rights. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 with the Fair Credit Reporting act XXXX Accounts have violated my rights. I XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Paid as agreed please delete XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Paid and closed please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX paid as agreed please delete XXXXXXXX XXXX dont see their account 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 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 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Be advised that on [ Dates listed below ], My consumer report was obtained without my authorization or permissible purpose under the FCRA. 15 U.S. Code 1681b. 


[ XX/XX/2021, XXXX XXXX XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] Promptly delete the unauthorized 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 explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. 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. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2018-10-30
Company: Experian Information Solutions Inc.
State: IL
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:
The Bankruptcy on my credit is old and should have been removed by the credit bureaus according to the FCRA. I have contacted them to remove it and they have 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 2017-09-21
Company: JPMORGAN CHASE & CO.
State: GA
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:
On XXXX XXXX, XXXX I filed a price protection claim with my Chase Freedom XXXX credit card for a purchase I had made. The amount of the price protection refund was to be {$120.00}. 

The initial process of filing the claim through the official site was not smooth. Across multiple computers, and multiple days, I could not get the site to properly function. I eventually had to reach out to Chase to have them email me the form so that I can manually email it back. I believe these defects in the site to be intentional, as a way to frustrate people into not filing claims. 

Several weeks later, I log into the online tracking site ( XXXX ) and see that the claim is pending with a final decision to be made within 5 business days. 

Several more weeks later, on XXXX XXXX, I follow up with the credit card company and I am informed that the complaint should be handled by the end of the week, and I should see a decision on my claim. 

Again, several more weeks pass, and still no movement on the claim being resolved. 

I call Chase again on XXXX XXXX, and they had still not processed the claim, or made any movement whatsoever. The status was still the same as when I had called previously on XXXX XXXX. 

My worry is that per my guide to benefits, the claims must be filed within 21 days of the date of the sale advertisement for the claim to take effect. My claim was filed well within that timeline, but due to the long turnaround time, I worry that if Chase denies the claim due to some sort of a paperwork error, I will not be able to refile the claim as I am outside that window. 

In addition, per the benefits guide, a claim file is only open for 60 days from the date of the claim. Due to the long turn time from Chase, there are only approximately 5 days left before the claim file is closed. 

In addition, as a member of the XXXX XXXX XXXX on XXXX XXXX, I am about to conduct a XXXX move to a different duty station within the next 30 days. I am worried that because this process has taken an extended amount of time, any refund check that Chase will send to me will get lost in the mail forwarding due to my change of address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
About two months ago I checked my credit and noticed some accounts that had misinformation and other accounts that werent mine to begin with. I mailed dispute letters to the credit bureaus to get the investigation started XX/XX/2020. It has been over a month and I have not received a response to the dispute letters.

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 2022-11-19
Company: EQUIFAX, INC.
State: VA
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:
Every 30 days I have disputing the same inaccurate information from the credit bureaus and they aren't doing anything to remove these inaccuracies. The are reporting the following fraudulent information and it has hurt and damaged my credit scores : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft Equifax - Dispute Letter Sent XX/XX/2022 XXXX XXXX XXXX  - {$420.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX - Dispute Letter Sent XX/XX/2022 XXXX XXXX Charge Off {$3800.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX XXXX XXXX Charge Off - This was included in a bankruptcy and was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I attended Timeshare presentation in XXXX XXXX New york on XX/XX/2023. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New york XXXX Phone : XXXX They requested ssn details to check my credit score to make sure if I am eligible for financing. Later I got email from Barclays Bank Delware that my credit card is approved. I called them to cancel and it is not yet done, I still see that account in my credit report. 

Now there is one more credit card is open from XXXX XXXX 

I see they misused my ssn details to open multiple credit cards which is directly impacting my credit score.

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 2019-11-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I obtained an FHA loan in XXXX. My LTV reached 78 % in XXXX of XXXX. According to the homeowners protection act, my PMI was supposed to be automatically removed. My current LTV is 70.6 %. I have paid PMI for 47 months after it was supposed to be automatically removed, and as such I am owed thousands of dollars by my Mortgage Company Penny Mac USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
In XX/XX/2021 between XXXX I went in to Bank Of America to deposit my unemployment check of {$2200.00}. I told the teller ( XXXX  ) who was there to cover a shift that day from a different branch. She was having multiple errors and confusion. I told ( XXXX  ) to deposit {$2000.00} to my savings and get the rest back of {$250.00}. She was having difficulties, and was taking long. I told her never mind just give me back my check and Ill deposit it outside the ATM she replied and said no I got this denied my request. She made me sign a paper and I didnt have my glasses so I couldnt really read what it said and she did not explain. Teller XXXX XXXX XXXX made a transfer from my savings to checking of {$200.00} which I did not request or approve. She transferred back {$200.00} from checking to savings. Finally she only gave me back {$250.00} from my check. I later on noticed that I only had a deposit back of {$1000.00} from my unemployment check and the other {$1000.00} was missing. I went back and spoke to branch manager. We went over transactions and she told me it says I got back {$1200.00} but I did not. I only got {$250.00}. I told her I want to file a new claim. I called number behind card. Spoke to 7 claims people and no one helped. They all gave me different answers and had me going back and forth to branch manager who also kept telling me to call claims department and claims department. I requested camera footage of that day and get over with and have proof of not receiving {$1000.00}. Claims department kept telling me to go talk to branch manager for her to request the footage. Branch manager had no clue why to do. This has been causing me so much emotion distress, Im XXXX  my XXXX XXXXl and XXXX has been very high. I Finally requested to speak to claims manager and request surveillance of that day. Claims manager denied and asked the only way for manager to obtain footage is from a police report or take it to small claims. I received a letter from Bank of America and they did not resolve my request.

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 2019-06-04
Company: FIRST ADVANTAGE CORPORATION
State: MI
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 is incorrect

Complaint:
My Background Check through First Advantage shows 3 eviction notices from XXXX XXXX. 
I was never evicted. I had two slow pays but paid in full and was never evicted. 
This reporting is preventing me from getting a roof over my head. 
This is unacceptable. 
XXXX is the number to First Advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 and XX/XX/2019, XXXX XXXX XXXX XXXX pulled my credit check or whatever, I never spoke with them or gave them permission to do so. I called the company and asked how could they do that and how they got my information to do and wanted to dispute it and was told to dispute it with the credit agencies. There was also checking account inquiries recently that I did not do, I don't know with what banks, credit report says last one was 17 days ago and I haven't inquired since I started banking with XXXX XXXX sometime around 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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company 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 2018-10-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
So in XXXX a credit card from XXXX XXXX was opened in my name. In XXXX I was XXXX years old, also when I contacted XXXX XXXX in regards to it, they had my incorrect birthday on file in which they would not let me verify the account because of that. Secondly, I was never notified of this debt in the amount of {$1300.00} at all, there was a levy placed on my entire checking account on XX/XX/XXXX in which they took all of my money out of it. This account was fraudulently opened in my name and I am unsure how to go about rectifying this matter. I have XXXX small children and bills to pay and they have taken all of my money for this fraud act against me, it is unfair. The debt is over 11 years old, why are they coming now?

Company response to consumer: Closed with non-monetary relief